{
  "canonical_url": "https://lendb.ai/s/asset-based/arizona",
  "summary": "As of 2026-10-09, LenDb lists 10 loan officers licensed in or based in Arizona whose lender pages show Asset-based qualifying work. The top-ranked are Brandon Hansen (Guild Mortgage, Toquerville), Sam Bromley (Xpert Home Lending) and Iris Legaspi (First Citizens Bank, San Diego). Ranking is lender-neutral: specialty evidence first, then a license in AZ, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "asset-based",
  "state": "AZ",
  "total": 10,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 283559,
        "slug": "brandon-hansen-283559",
        "full_name": "Brandon Hansen",
        "canonical_url": "https://lendb.ai/lo/brandon-hansen-283559",
        "json_url": "https://lendb.ai/lo/brandon-hansen-283559.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Toquerville",
          "state": "UT"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "ID",
          "NM",
          "NV",
          "OR",
          "TX",
          "UT",
          "WA",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": 25,
        "lender_profile_url": "https://branches.guildmortgage.com/ut/toquerville/brandon-hansen-817-chbh.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)",
        "Licensed in AZ (listed on lender page, verified 2026-10-09)",
        "8 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/brandon-hansen-283559"
    },
    {
      "rank": 2,
      "score": 43.3,
      "loan_officer": {
        "nmls_id": 1151654,
        "slug": "samuel-bromley-1151654",
        "full_name": "Sam Bromley",
        "canonical_url": "https://lendb.ai/lo/samuel-bromley-1151654",
        "json_url": "https://lendb.ai/lo/samuel-bromley-1151654.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "KS",
          "MN",
          "MO",
          "OR",
          "TN",
          "TX"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 12,
        "years_experience": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/samuel-bromley",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)",
        "Licensed in AZ (listed on lender page, verified 2026-10-09)",
        "12 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/samuel-bromley-1151654"
    },
    {
      "rank": 3,
      "score": 42.6,
      "loan_officer": {
        "nmls_id": 690505,
        "slug": "iris-legaspi-690505",
        "full_name": "Iris Legaspi",
        "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505",
        "json_url": "https://lendb.ai/lo/iris-legaspi-690505.json",
        "lender": {
          "nmls_id": 503941,
          "name": "First Citizens Bank",
          "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941",
          "type": "bank"
        },
        "branch": {
          "city": "San Diego",
          "state": "CA"
        },
        "licensed_states": [
          "AL",
          "AZ",
          "CA",
          "CO",
          "DC",
          "FL",
          "GA",
          "HI",
          "IA",
          "IL",
          "KS",
          "MA",
          "MD",
          "MI",
          "MN",
          "MO",
          "NC",
          "NE",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "SC",
          "TN",
          "TX",
          "UT",
          "VA",
          "WA",
          "WI",
          "WV",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 17,
        "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)",
        "Licensed in AZ (listed on lender page, verified 2026-10-09)",
        "17 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505"
    },
    {
      "rank": 4,
      "score": 38.3,
      "loan_officer": {
        "nmls_id": 1982222,
        "slug": "denise-mcmanus-1982222",
        "full_name": "Denise McManus",
        "canonical_url": "https://lendb.ai/lo/denise-mcmanus-1982222",
        "json_url": "https://lendb.ai/lo/denise-mcmanus-1982222.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AZ",
          "CA",
          "MI",
          "TX",
          "UT"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/denise-mcmanus",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)",
        "Licensed in AZ (listed on lender page, verified 2026-10-09)",
        "3 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/denise-mcmanus-1982222"
    },
    {
      "rank": 5,
      "score": 37.3,
      "loan_officer": {
        "nmls_id": 224331,
        "slug": "jeri-shoop-224331",
        "full_name": "Jeri Shoop",
        "canonical_url": "https://lendb.ai/lo/jeri-shoop-224331",
        "json_url": "https://lendb.ai/lo/jeri-shoop-224331.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AZ",
          "CO",
          "PA",
          "VA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/jeri-shoop",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)",
        "Licensed in AZ (listed on lender page, verified 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jeri-shoop-224331"
    },
    {
      "rank": 6,
      "score": 37.3,
      "loan_officer": {
        "nmls_id": 450556,
        "slug": "alexis-ramirez-450556",
        "full_name": "Alex Ramirez",
        "canonical_url": "https://lendb.ai/lo/alexis-ramirez-450556",
        "json_url": "https://lendb.ai/lo/alexis-ramirez-450556.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AZ",
          "CA",
          "HI",
          "TX",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "years_experience": 21,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/alex-ramirez",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)",
        "Licensed in AZ (listed on lender page, verified 2026-10-09)",
        "1 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/alexis-ramirez-450556"
    },
    {
      "rank": 7,
      "score": 36.5,
      "loan_officer": {
        "nmls_id": 1633658,
        "slug": "heather-ide-1633658",
        "full_name": "Heather Ide",
        "canonical_url": "https://lendb.ai/lo/heather-ide-1633658",
        "json_url": "https://lendb.ai/lo/heather-ide-1633658.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AZ",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/heather-ide",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)",
        "Licensed in AZ (listed on lender page, verified 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/heather-ide-1633658"
    },
    {
      "rank": 8,
      "score": 36.3,
      "loan_officer": {
        "nmls_id": 1034023,
        "slug": "laurent-o-shea-1034023",
        "full_name": "Laurent Oshea",
        "canonical_url": "https://lendb.ai/lo/laurent-o-shea-1034023",
        "json_url": "https://lendb.ai/lo/laurent-o-shea-1034023.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": [
          "FL",
          "AZ",
          "CO",
          "ID",
          "LA",
          "MI",
          "TN"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 0,
        "years_experience": 25,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/laurent-oshea-1034023",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)",
        "Licensed in AZ (listed on lender page, verified 2026-10-09)",
        "0 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/laurent-o-shea-1034023"
    },
    {
      "rank": 9,
      "score": 28.5,
      "loan_officer": {
        "nmls_id": 234178,
        "slug": "susan-yen-234178",
        "full_name": "Susan Yen",
        "canonical_url": "https://lendb.ai/lo/susan-yen-234178",
        "json_url": "https://lendb.ai/lo/susan-yen-234178.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "AZ",
          "CA",
          "NV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/susan-yen",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)",
        "Licensed in AZ (listed on lender page, verified 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/susan-yen-234178"
    },
    {
      "rank": 10,
      "score": 28.3,
      "loan_officer": {
        "nmls_id": 1085221,
        "slug": "abby-montenegro-1085221",
        "full_name": "Abby Montenegro",
        "canonical_url": "https://lendb.ai/lo/abby-montenegro-1085221",
        "json_url": "https://lendb.ai/lo/abby-montenegro-1085221.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": [
          "AL",
          "AZ",
          "CA",
          "IL",
          "OH",
          "OR",
          "VA",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "recent-credit-event",
            "evidence": "lender_page_text"
          },
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/abby-montenegro-1085221",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Asset-based qualifying on lender page (lender page, verified 2026-10-09)",
        "Licensed in AZ (listed on lender page, verified 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/abby-montenegro-1085221"
    }
  ]
}