{
  "canonical_url": "https://lendb.ai/lang/tl/washington",
  "summary": "As of 2026-10-15, LenDb lists 7 loan officers licensed in or based in Washington whose lender pages say they speak Tagalog. The top-ranked are Sheilla Lavadia (Loan Factory), Joel Morales (Loan Factory) and Claire Walker (Loan Factory). 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": "tl",
  "state": "WA",
  "total": 7,
  "last_verified": "2026-10-15",
  "results": [
    {
      "rank": 1,
      "score": 32.5,
      "loan_officer": {
        "nmls_id": 1399453,
        "slug": "sheilla-lavadia-1399453",
        "full_name": "Sheilla Lavadia",
        "canonical_url": "https://lendb.ai/lo/sheilla-lavadia-1399453",
        "json_url": "https://lendb.ai/lo/sheilla-lavadia-1399453.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "slug": "loan-factory-320841",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": "https://lh3.googleusercontent.com/RgLcjey2BoJ10PD5PmHvHGS0qdOMtJ8smAYJ5bf5AiunOIAWiWCkDsVwj4PAugu1vyOsrO-DLk-dqDx7BEZkTr-7o8gndcaGoo_0lg",
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "HI",
          "ID",
          "KS",
          "NM",
          "OR",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "tl"
        ],
        "specialties": [
          {
            "slug": "1099-income",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-03-23",
          "state": "TX"
        },
        "licensed_since": {
          "year": 2023,
          "state": "TX"
        },
        "years_experience": 22,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/sheilla-lavadia-1399453",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Tagalog (lender page, verified 2026-10-09)",
        "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: March 23, 2023 (Texas), per state regulator",
        "States 22 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/sheilla-lavadia-1399453",
      "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": "2026-10-09",
        "source_url": "https://www.loanfactory.com/mortgage-expert/sheilla-lavadia-1399453"
      }
    },
    {
      "rank": 2,
      "score": 31.8,
      "loan_officer": {
        "nmls_id": 108022,
        "slug": "joel-morales-108022",
        "full_name": "Joel Morales",
        "canonical_url": "https://lendb.ai/lo/joel-morales-108022",
        "json_url": "https://lendb.ai/lo/joel-morales-108022.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "slug": "loan-factory-320841",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": "WA"
        },
        "headshot_url": "https://lh3.googleusercontent.com/PDgHbxHO9s5wPhEI9cwakX2cWdtW9DqDtqAvQenghgswJOlQJPl_9Tczh1_NWiFTImAtxu3XwLRADl1T5sqW6FWgWTI-Awt-bW4N",
        "licensed_states": [
          "WA"
        ],
        "licenses": [
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "tl"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/joel-morales-108022",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Tagalog (lender page, verified 2026-10-09)",
        "Office in Washington",
        "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/joel-morales-108022",
      "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": "2026-10-09",
        "source_url": "https://www.loanfactory.com/mortgage-expert/joel-morales-108022"
      }
    },
    {
      "rank": 3,
      "score": 31.8,
      "loan_officer": {
        "nmls_id": 204082,
        "slug": "claire-walker-204082",
        "full_name": "Claire Walker",
        "canonical_url": "https://lendb.ai/lo/claire-walker-204082",
        "json_url": "https://lendb.ai/lo/claire-walker-204082.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "slug": "loan-factory-320841",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": "WA"
        },
        "headshot_url": "https://lh3.googleusercontent.com/d-SgOVFBqeZ62_QFY3JQm5JziGonsA5CVw7z4QWdjPqVqtfCvfdK3RM3GCFvmUWP5XJu_rs1X9-_CGJT6wMhA_Y_WNL6jVQHck4",
        "licensed_states": [
          "WA"
        ],
        "licenses": [
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "tl"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/claire-walker-204082",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Tagalog (lender page, verified 2026-10-09)",
        "Office in Washington",
        "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/claire-walker-204082",
      "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": "2026-10-09",
        "source_url": "https://www.loanfactory.com/mortgage-expert/claire-walker-204082"
      }
    },
    {
      "rank": 4,
      "score": 23.5,
      "loan_officer": {
        "nmls_id": 2138106,
        "slug": "michelle-bader-2138106",
        "full_name": "Michelle Bader",
        "licensed_names": [
          {
            "name": "Michelle Bader",
            "name_with_middle_initial": "Michelle M. Bader",
            "first_name": "Michelle",
            "middle_initial": "M",
            "last_name": "Bader",
            "states": [
              "CA",
              "PA",
              "TX"
            ],
            "source": "state_regulator",
            "as_of": "2026-10-22"
          }
        ],
        "canonical_url": "https://lendb.ai/lo/michelle-bader-2138106",
        "json_url": "https://lendb.ai/lo/michelle-bader-2138106.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "slug": "loan-factory-320841",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": "https://lh3.googleusercontent.com/glsjKOIoOGx4Liyh8CVpegcb2ZyuPpuIBmx3WpIXIX3gbo7YkCWyLLU6UqJii8U7V-U3ZSKkFMsEFg10tm9exZlvWo_6VCjJlqaz",
        "licensed_states": [
          "PA",
          "AZ",
          "HI",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "confirmed"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "tl"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2023-10-09",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2023,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/michelle-bader-2138106",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Tagalog (lender page, verified 2026-10-09)",
        "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: October 9, 2023 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/michelle-bader-2138106",
      "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": "2026-10-09",
        "source_url": "https://www.loanfactory.com/mortgage-expert/michelle-bader-2138106"
      }
    },
    {
      "rank": 5,
      "score": 22.8,
      "loan_officer": {
        "nmls_id": 1464359,
        "slug": "matthew-geverola-1464359",
        "full_name": "Matthew Geverola",
        "canonical_url": "https://lendb.ai/lo/matthew-geverola-1464359",
        "json_url": "https://lendb.ai/lo/matthew-geverola-1464359.json",
        "lender": {
          "nmls_id": 1276471,
          "name": "Kama'aina Mortgage Group Inc.",
          "slug": "kama-aina-mortgage-group-inc-1276471",
          "canonical_url": "https://lendb.ai/lender/kama-aina-mortgage-group-inc-1276471",
          "type": "imb"
        },
        "branch": {
          "city": "Honolulu",
          "state": "HI"
        },
        "headshot_url": "https://cdn.prod.website-files.com/692ed72deeca580e1cf7f297/6a70ce40afefee3dec5f8e89_newheadshot-removebg-preview.png",
        "licensed_states": [
          "CA",
          "CO",
          "FL",
          "HI",
          "NV",
          "TX",
          "VA",
          "WA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "lender_reported"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "tl"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.kmghawaii.com/team-member/matthew-geverola",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Tagalog (lender page, verified 2026-10-15)",
        "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/matthew-geverola-1464359",
      "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": "2026-10-15",
        "source_url": "https://www.kmghawaii.com/team-member/matthew-geverola"
      }
    },
    {
      "rank": 6,
      "score": 22.3,
      "loan_officer": {
        "nmls_id": 118683,
        "slug": "maria-corazon-olivarez-118683",
        "full_name": "Maria Corazon Olivarez",
        "canonical_url": "https://lendb.ai/lo/maria-corazon-olivarez-118683",
        "json_url": "https://lendb.ai/lo/maria-corazon-olivarez-118683.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "slug": "loan-factory-320841",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "headshot_url": "https://lh3.googleusercontent.com/ajpdaikb-xn4Merrva_T9AbPVL3NoZKxhSzmYgUgawe3jA3z8fkOunf4RKlonJnZRaBqztfEYU3mWxHfjAvfaT7twXwkFd0-jSM",
        "licensed_states": [
          "AK",
          "NV",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "confirmed"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [
          "en",
          "tl"
        ],
        "specialties": [],
        "lender_offers": [],
        "years_licensed": null,
        "earliest_license_record": {
          "date": "2024-09-19",
          "state": "CA"
        },
        "licensed_since": {
          "year": 2024,
          "state": "CA"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/maria-corazon-olivarez-118683",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Speaks Tagalog (lender page, verified 2026-10-09)",
        "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Earliest state license record: September 19, 2024 (California), per state regulator"
      ],
      "canonical_url": "https://lendb.ai/lo/maria-corazon-olivarez-118683",
      "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": "2026-10-09",
        "source_url": "https://www.loanfactory.com/mortgage-expert/maria-corazon-olivarez-118683"
      }
    }
  ]
}