{
  "canonical_url": "https://lendb.ai/api/v1/loan-officers?specialty=renovation&state=WA",
  "filters": {
    "specialty": [
      "renovation"
    ],
    "state": "WA",
    "limit": 10
  },
  "count": 10,
  "results": [
    {
      "rank": 1,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 102076,
        "slug": "shelley-covington-102076",
        "full_name": "Shelley Covington",
        "canonical_url": "https://lendb.ai/lo/shelley-covington-102076",
        "json_url": "https://lendb.ai/lo/shelley-covington-102076.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Kirkland",
          "state": "WA"
        },
        "licensed_states": [
          "AZ",
          "OR",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "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": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 25,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/shelley-covington/"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "Branch in Washington",
        "25 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/shelley-covington-102076"
    },
    {
      "rank": 2,
      "score": 58,
      "loan_officer": {
        "nmls_id": 74006,
        "slug": "pamela-valadez-74006",
        "full_name": "Pamela Valadez",
        "canonical_url": "https://lendb.ai/lo/pamela-valadez-74006",
        "json_url": "https://lendb.ai/lo/pamela-valadez-74006.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Everett",
          "state": "WA"
        },
        "licensed_states": [
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "rural",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://www.apmortgage.com/pamela-valadez"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "Branch in Washington",
        "20 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/pamela-valadez-74006"
    },
    {
      "rank": 3,
      "score": 58,
      "loan_officer": {
        "nmls_id": 674086,
        "slug": "kevin-hassan-674086",
        "full_name": "Kevin Hassan",
        "canonical_url": "https://lendb.ai/lo/kevin-hassan-674086",
        "json_url": "https://lendb.ai/lo/kevin-hassan-674086.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Everett",
          "state": "WA"
        },
        "licensed_states": [
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 25,
        "lender_profile_url": "https://www.apmortgage.com/kevin-hassan"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "Branch in Washington",
        "25 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kevin-hassan-674086"
    },
    {
      "rank": 4,
      "score": 56.3,
      "loan_officer": {
        "nmls_id": 143470,
        "slug": "michelle-muqtadir-143470",
        "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"
        },
        "branch": {
          "city": "Seattle",
          "state": "WA"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "HI",
          "ID",
          "NV",
          "OR",
          "TN",
          "TX",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/seattle-wa-5551/michelle-muqtadir/"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "Branch in Washington",
        "3 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/michelle-muqtadir-143470"
    },
    {
      "rank": 5,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 344768,
        "slug": "heidi-green-344768",
        "full_name": "Heidi Green",
        "canonical_url": "https://lendb.ai/lo/heidi-green-344768",
        "json_url": "https://lendb.ai/lo/heidi-green-344768.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": [
          "AZ",
          "CA",
          "ID",
          "OR",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/seattle-wa-5553/heidi-green/"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "Branch in Washington",
        "20 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/heidi-green-344768"
    },
    {
      "rank": 6,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 505247,
        "slug": "debra-montgomery-505247",
        "full_name": "Debra Montgomery",
        "canonical_url": "https://lendb.ai/lo/debra-montgomery-505247",
        "json_url": "https://lendb.ai/lo/debra-montgomery-505247.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": [
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 23,
        "lender_profile_url": "https://crosscountrymortgage.com/seattle-wa-5567/debra-montgomery/"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "Branch in Washington",
        "23 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/debra-montgomery-505247"
    },
    {
      "rank": 7,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 220837,
        "slug": "bill-clark-220837",
        "full_name": "Bill Clark",
        "canonical_url": "https://lendb.ai/lo/bill-clark-220837",
        "json_url": "https://lendb.ai/lo/bill-clark-220837.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Clackamas",
          "state": "OR"
        },
        "licensed_states": [
          "OR",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 27,
        "lender_profile_url": "https://www.fairway.com/lo/bill-clark-220837"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "27 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/bill-clark-220837"
    },
    {
      "rank": 8,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 680603,
        "slug": "bill-gaylord-680603",
        "full_name": "Bill Gaylord",
        "canonical_url": "https://lendb.ai/lo/bill-gaylord-680603",
        "json_url": "https://lendb.ai/lo/bill-gaylord-680603.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Henderson",
          "state": "NV"
        },
        "licensed_states": [
          "AL",
          "AZ",
          "CA",
          "NV",
          "UT",
          "VA",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 33,
        "lender_profile_url": "https://branches.guildmortgage.com/nv/henderson/bill-gaylord-483-vgbg.html"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "33 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/bill-gaylord-680603"
    },
    {
      "rank": 9,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 533656,
        "slug": "sandra-lutz-533656",
        "full_name": "Sandee Lutz",
        "canonical_url": "https://lendb.ai/lo/sandra-lutz-533656",
        "json_url": "https://lendb.ai/lo/sandra-lutz-533656.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Romeo",
          "state": "MI"
        },
        "licensed_states": [
          "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"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/romeo-mi-3209/sandra-lutz/"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "6 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/sandra-lutz-533656"
    },
    {
      "rank": 10,
      "score": 52.3,
      "loan_officer": {
        "nmls_id": 277718,
        "slug": "greg-wilcox-277718",
        "full_name": "Greg Wilcox",
        "canonical_url": "https://lendb.ai/lo/greg-wilcox-277718",
        "json_url": "https://lendb.ai/lo/greg-wilcox-277718.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "CA",
          "ID",
          "OR",
          "TX",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 26,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/greg-wilcox-277718"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "26 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/greg-wilcox-277718"
    }
  ]
}