{ "canonical_url": "https://lendb.ai/lang/es/washington", "summary": "As of 2026-10-26, LenDb lists 53 loan officers licensed in or based in Washington whose lender pages say they speak Spanish. The top-ranked are Christina McCollum (Churchill Mortgage, Kennewick), Jenn Bowman (CrossCountry Mortgage, Seattle) and Harrison Lee (JPMorgan Chase Bank (Chase Home Lending), Seattle). Ranking is lender-neutral: a license in WA, branch location, experience and profile completeness. Nobody pays for placement. Languages come only from loan officers' own lender pages, and most lender pages do not list languages. A loan officer missing from this list may still speak it: not listed means not stated, not that they do not speak it.", "language": "es", "state": "WA", "total": 53, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 43.3, "loan_officer": { "nmls_id": 1398321, "slug": "christina-mccollum-1398321", "full_name": "Christina McCollum", "licensed_names": [ { "name": "Christina McCollum", "name_with_middle_initial": "Christina R. McCollum", "first_name": "Christina", "middle_initial": "R", "last_name": "McCollum", "states": [ "CA", "FL", "MA", "MO", "OR", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/christina-mccollum-1398321", "json_url": "https://lendb.ai/lo/christina-mccollum-1398321.json", "lender": { "nmls_id": 1591, "name": "Churchill Mortgage", "slug": "churchill-mortgage-1591", "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591", "type": "imb" }, "branch": { "city": "Kennewick", "state": "WA" }, "headshot_url": "https://info.churchillmortgage.com/hubfs/images/headshots/loan-officers/Christina%20McCollum3.jpeg", "licensed_states": [ "FL", "MO", "TX", "AK", "AL", "AZ", "CA", "GA", "ID", "IL", "MA", "MI", "MT", "NC", "NE", "OH", "OR", "SC", "TN", "WA", "WI", "WY" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MO", "confidence": "confirmed" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "confirmed" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "construction", "evidence": "lender_page_text" } ], "lender_offers": [ "1099-income", "asset-based", "bank-statement", "condo-non-warrantable", "condotel", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "foreign-national", "heloc", "investor", "itin", "jumbo", "low-credit", "manufactured", "multi-family-2-4", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2017-02-06", "state": "OR" }, "licensed_since": { "year": 2017, "state": "OR" }, "years_experience": 20, "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/christina-mccollum", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (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: February 6, 2017 (Oregon), per state regulator", "States 20 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/christina-mccollum-1398321", "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.churchillmortgage.com/loan-officers/christina-mccollum" } }, { "rank": 2, "score": 42, "loan_officer": { "nmls_id": 135887, "slug": "jenn-bowman-135887", "full_name": "Jenn Bowman", "canonical_url": "https://lendb.ai/lo/jenn-bowman-135887", "json_url": "https://lendb.ai/lo/jenn-bowman-135887.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": "Seattle", "state": "WA" }, "headshot_url": null, "licensed_states": [ "WA" ], "licenses": [ { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "non-qm", "physician", "refinance", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 23, "lender_profile_url": "https://crosscountrymortgage.com/seattle-wa-3264/jennifer-bowman/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-26)", "Office in Seattle, WA", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 23 years of experience (lender page, 2026-10-26)" ], "canonical_url": "https://lendb.ai/lo/jenn-bowman-135887", "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": "2026-10-26", "source_url": "https://crosscountrymortgage.com/seattle-wa-3264/jennifer-bowman/" } }, { "rank": 3, "score": 34.5, "loan_officer": { "nmls_id": 1311628, "slug": "harrison-lee-1311628", "full_name": "Harrison Lee", "canonical_url": "https://lendb.ai/lo/harrison-lee-1311628", "json_url": "https://lendb.ai/lo/harrison-lee-1311628.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "slug": "chase-399798", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Seattle", "state": "WA" }, "headshot_url": "http://a.mktgcdn.com/p/HEoN7rJQae841T_Dd8VjD1DSSf2Cj_yT0kWZKW0rj-4/200x300.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es", "ru", "zh" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 7, "lender_profile_url": "https://homelendingadvisor.chase.com/wa/seattle/350-westlake-ave-n-hla-1311628", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-19)", "Office in Seattle, WA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 7 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/harrison-lee-1311628", "license_check": { "state": "WA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-19", "source_url": null } }, { "rank": 4, "score": 33.3, "loan_officer": { "nmls_id": 404540, "slug": "steven-hernandez-404540", "full_name": "Steven Hernandez", "canonical_url": "https://lendb.ai/lo/steven-hernandez-404540", "json_url": "https://lendb.ai/lo/steven-hernandez-404540.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": "Salem", "state": "OR" }, "headshot_url": "https://thevault.ccm.com/asset/a55a1924-5239-451c-a2df-87e6c94b15e0/Website/5514_Hernandez_404540.jpg", "licensed_states": [ "OR", "HI", "WA" ], "licenses": [ { "state": "HI", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "non-qm", "physician", "refinance", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2018-04-10", "state": "OR" }, "licensed_since": { "year": 2018, "state": "OR" }, "years_experience": 27, "lender_profile_url": "https://crosscountrymortgage.com/salem-or-5570/steven-hernandez/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-22)", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: April 10, 2018 (Oregon), per state regulator", "States 27 years of experience (lender page, 2026-10-22)" ], "canonical_url": "https://lendb.ai/lo/steven-hernandez-404540", "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/salem-or-5570/steven-hernandez/" } }, { "rank": 5, "score": 33.3, "loan_officer": { "nmls_id": 1740970, "slug": "erik-ramirez-1740970", "full_name": "Erik Ramirez", "canonical_url": "https://lendb.ai/lo/erik-ramirez-1740970", "json_url": "https://lendb.ai/lo/erik-ramirez-1740970.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": "Yakima", "state": "WA" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/hper-erik-ramirez.jpg", "licensed_states": [ "WA" ], "licenses": [ { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "heloc", "itin", "jumbo", "low-credit", "manufactured", "new-construction", "physician", "renovation", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/wa/yakima/erik-ramirez-107-hper.html", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-26)", "Office in Yakima, WA", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/erik-ramirez-1740970", "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": "2026-10-26", "source_url": "https://branches.guildmortgage.com/wa/yakima/erik-ramirez-107-hper.html" } }, { "rank": 6, "score": 33.3, "loan_officer": { "nmls_id": 2495651, "slug": "john-mendoza-2495651", "full_name": "John Mendoza", "canonical_url": "https://lendb.ai/lo/john-mendoza-2495651", "json_url": "https://lendb.ai/lo/john-mendoza-2495651.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": "Kennewick", "state": "WA" }, "headshot_url": "https://thevault.ccm.com/asset/72bc566f-a821-4e9f-a26f-a34c24252f6d/Website/3652_Mendoza_2495651.jpg", "licensed_states": [ "GA", "WA" ], "licenses": [ { "state": "GA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "heloc", "investor", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/kennewick-wa-3652/john-mendoza/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-26)", "Office in Kennewick, WA", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/john-mendoza-2495651", "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": "2026-10-26", "source_url": "https://crosscountrymortgage.com/kennewick-wa-3652/john-mendoza/" } }, { "rank": 7, "score": 33.3, "loan_officer": { "nmls_id": 2802361, "slug": "carlos-merancio-2802361", "full_name": "Carlos Merancio", "canonical_url": "https://lendb.ai/lo/carlos-merancio-2802361", "json_url": "https://lendb.ai/lo/carlos-merancio-2802361.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": "Spokane", "state": "WA" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/ewcme-carlos-merancio.jpg", "licensed_states": [ "AZ", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [ { "slug": "investor", "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": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "heloc", "itin", "jumbo", "low-credit", "manufactured", "new-construction", "physician", "renovation", "usda", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/wa/spokane/carlos-merancio-951-ewcme.html", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-20)", "Office in Spokane, WA", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/carlos-merancio-2802361", "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/spokane/carlos-merancio-951-ewcme.html" } }, { "rank": 8, "score": 32.8, "loan_officer": { "nmls_id": 442520, "slug": "trina-fangon-442520", "full_name": "Trina Fangon", "licensed_names": [ { "name": "Trina Fangon", "name_with_middle_initial": "Trina S. Fangon", "first_name": "Trina", "middle_initial": "S", "last_name": "Fangon", "states": [ "CA", "OR" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/trina-fangon-442520", "json_url": "https://lendb.ai/lo/trina-fangon-442520.json", "lender": { "nmls_id": 2229, "name": "Union Home Mortgage", "slug": "union-home-mortgage-2229", "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229", "type": "imb" }, "branch": { "city": "Tigard", "state": "OR" }, "headshot_url": "https://www.uhm.com/media/3982/trina-fangon-website.png", "licensed_states": [ "CA", "OR", "WA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "OR", "confidence": "confirmed" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [], "lender_offers": [ "bank-statement", "construction", "fha", "heloc", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2023-01-04", "state": "OR" }, "licensed_since": { "year": 2023, "state": "OR" }, "years_experience": 25, "lender_profile_url": "https://www.uhm.com/loan-officers/trina-fangon/", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-14)", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: January 4, 2023 (Oregon), per state regulator", "States 25 years of experience (lender page, 2026-10-14)" ], "canonical_url": "https://lendb.ai/lo/trina-fangon-442520", "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": "2026-10-14", "source_url": "https://www.uhm.com/loan-officers/trina-fangon/" } }, { "rank": 9, "score": 32.8, "loan_officer": { "nmls_id": 453621, "slug": "marco-guerra-453621", "full_name": "Marco Guerra", "licensed_names": [ { "name": "Marco Guerra", "name_with_middle_initial": "Marco A. Guerra", "first_name": "Marco", "middle_initial": "A", "last_name": "Guerra", "states": [ "AR", "CA", "DE", "FL", "MO", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/marco-guerra-453621", "json_url": "https://lendb.ai/lo/marco-guerra-453621.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": "Santa Rosa", "state": "CA" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/ckmgu-marco-guerra.jpg", "licensed_states": [ "FL", "AL", "AR", "CA", "DE", "GA", "ID", "IL", "KY", "LA", "MO", "TX", "WA", "WI", "WY" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "confirmed" }, { "state": "CA", "confidence": "confirmed" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MO", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "confirmed" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [ "es" ], "specialties": [], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "heloc", "investor", "itin", "jumbo", "low-credit", "manufactured", "new-construction", "physician", "renovation", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2014-12-08", "state": "CA" }, "licensed_since": { "year": 2014, "state": "CA" }, "years_experience": 32, "lender_profile_url": "https://branches.guildmortgage.com/ca/santarosa/marco-guerra-440-ckmgu.html", "disciplinary_check": "not_checked" }, "reasons": [ "Speaks Spanish (lender page, verified 2026-10-19)", "WA listed on their lender page (not yet checked with the state regulator; 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