{
  "canonical_url": "https://lendb.ai/s/construction/oregon",
  "summary": "As of 2026-10-09, LenDb lists 67 loan officers licensed in or based in Oregon whose lender pages show Construction loan work. The top-ranked are Ryan Arzner (CrossCountry Mortgage, McMinnville), Ryan Shelby (Guild Mortgage, Meridian) and Michael Dubrule (American Pacific Mortgage, Yakima). Ranking is lender-neutral: specialty evidence first, then a license in OR, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "construction",
  "state": "OR",
  "total": 67,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 247157,
        "slug": "ryan-arzner-247157",
        "full_name": "Ryan Arzner",
        "canonical_url": "https://lendb.ai/lo/ryan-arzner-247157",
        "json_url": "https://lendb.ai/lo/ryan-arzner-247157.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "McMinnville",
          "state": "OR"
        },
        "licensed_states": [
          "AZ",
          "CA",
          "OR",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 22,
        "lender_profile_url": "https://crosscountrymortgage.com/mcminnville-or-4283/ryan-arzner/"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in OR (listed on lender page, verified 2026-10-09)",
        "Branch in Oregon",
        "22 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/ryan-arzner-247157"
    },
    {
      "rank": 2,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 47258,
        "slug": "ryan-shelby-47258",
        "full_name": "Ryan Shelby",
        "canonical_url": "https://lendb.ai/lo/ryan-shelby-47258",
        "json_url": "https://lendb.ai/lo/ryan-shelby-47258.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Meridian",
          "state": "ID"
        },
        "licensed_states": [
          "ID",
          "OR"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/id/meridian/ryan-shelby-961-hprs.html"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in OR (listed on lender page, verified 2026-10-09)",
        "30 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/ryan-shelby-47258"
    },
    {
      "rank": 3,
      "score": 53,
      "loan_officer": {
        "nmls_id": 92043,
        "slug": "michael-dubrule-92043",
        "full_name": "Michael Dubrule",
        "canonical_url": "https://lendb.ai/lo/michael-dubrule-92043",
        "json_url": "https://lendb.ai/lo/michael-dubrule-92043.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Yakima",
          "state": "WA"
        },
        "licensed_states": [
          "AZ",
          "CA",
          "OR",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 33,
        "lender_profile_url": "https://www.apmortgage.com/michael-dubrule"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in OR (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/michael-dubrule-92043"
    },
    {
      "rank": 4,
      "score": 51.3,
      "loan_officer": {
        "nmls_id": 1099584,
        "slug": "abby-jerin-1099584",
        "full_name": "Abby Rose Jerin, MBA",
        "canonical_url": "https://lendb.ai/lo/abby-jerin-1099584",
        "json_url": "https://lendb.ai/lo/abby-jerin-1099584.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": "Bend",
          "state": "OR"
        },
        "licensed_states": [
          "ID",
          "OR",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/abby-rose-jerin-mba-1099584"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in OR (listed on lender page, verified 2026-10-09)",
        "Branch in Oregon",
        "3 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/abby-jerin-1099584"
    },
    {
      "rank": 5,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 256823,
        "slug": "tamara-lynn-mitchell-256823",
        "full_name": "Tamara Lynn Mitchell",
        "canonical_url": "https://lendb.ai/lo/tamara-lynn-mitchell-256823",
        "json_url": "https://lendb.ai/lo/tamara-lynn-mitchell-256823.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Medford",
          "state": "OR"
        },
        "licensed_states": [
          "OR"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "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"
          }
        ],
        "years_licensed": null,
        "years_experience": 30,
        "lender_profile_url": "https://branches.guildmortgage.com/or/medford/tamara-mitchell-523-wttm.html"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in OR (listed on lender page, verified 2026-10-09)",
        "Branch in Oregon",
        "30 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/tamara-lynn-mitchell-256823"
    },
    {
      "rank": 6,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 432353,
        "slug": "stephen-baker-432353",
        "full_name": "Stephen Baker",
        "canonical_url": "https://lendb.ai/lo/stephen-baker-432353",
        "json_url": "https://lendb.ai/lo/stephen-baker-432353.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Portland",
          "state": "OR"
        },
        "licensed_states": [
          "CA",
          "OR",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/or/portland/stephen-baker-235-mgsbak.html"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in OR (listed on lender page, verified 2026-10-09)",
        "Branch in Oregon",
        "20 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/stephen-baker-432353"
    },
    {
      "rank": 7,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 670089,
        "slug": "jessica-mcneely-670089",
        "full_name": "Jessica McNeely",
        "canonical_url": "https://lendb.ai/lo/jessica-mcneely-670089",
        "json_url": "https://lendb.ai/lo/jessica-mcneely-670089.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Salem",
          "state": "OR"
        },
        "licensed_states": [
          "OR"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "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": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "manufactured",
            "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"
          }
        ],
        "years_licensed": null,
        "years_experience": 27,
        "lender_profile_url": "https://branches.guildmortgage.com/or/salem/jessica-mcneely-488-hpjmc.html"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in OR (listed on lender page, verified 2026-10-09)",
        "Branch in Oregon",
        "27 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jessica-mcneely-670089"
    },
    {
      "rank": 8,
      "score": 50.5,
      "loan_officer": {
        "nmls_id": 639483,
        "slug": "bruce-brinkerhoff-639483",
        "full_name": "Bruce Brinkerhoff",
        "canonical_url": "https://lendb.ai/lo/bruce-brinkerhoff-639483",
        "json_url": "https://lendb.ai/lo/bruce-brinkerhoff-639483.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Cleveland",
          "state": "OH"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DE",
          "GA",
          "HI",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "ND",
          "NE",
          "NH",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT",
          "VA",
          "VT",
          "WA",
          "WI",
          "WV",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-1611/bruce-brinkerhoff/"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in OR (listed on lender page, verified 2026-10-09)",
        "7 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/bruce-brinkerhoff-639483"
    },
    {
      "rank": 9,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 265241,
        "slug": "danielle-young-265241",
        "full_name": "Danielle Young",
        "canonical_url": "https://lendb.ai/lo/danielle-young-265241",
        "json_url": "https://lendb.ai/lo/danielle-young-265241.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "South Jordan",
          "state": "UT"
        },
        "licensed_states": [
          "AZ",
          "CA",
          "ID",
          "MT",
          "NV",
          "OR",
          "UT",
          "WA",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 30,
        "lender_profile_url": "https://crosscountrymortgage.com/south-jordan-ut-4417/danielle-young/"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in OR (listed on lender page, verified 2026-10-09)",
        "30 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/danielle-young-265241"
    },
    {
      "rank": 10,
      "score": 49.8,
      "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 Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in OR (listed on lender page, verified 2026-10-09)",
        "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": 11,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 404522,
        "slug": "jeff-edwards-404522",
        "full_name": "Jeff Edwards",
        "canonical_url": "https://lendb.ai/lo/jeff-edwards-404522",
        "json_url": "https://lendb.ai/lo/jeff-edwards-404522.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Coeur d'Alene",
          "state": "ID"
        },
        "licensed_states": [
          "AZ",
          "ID",
          "MT",
          "OR",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 32,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/jeff-edwards"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in OR (listed on lender page, verified 2026-10-09)",
        "32 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/jeff-edwards-404522"
    },
    {
      "rank": 12,
      "score": 49.5,
      "loan_officer": {
        "nmls_id": 562497,
        "slug": "danielle-pitzo-562497",
        "full_name": "Danielle Pitzo",
        "canonical_url": "https://lendb.ai/lo/danielle-pitzo-562497",
        "json_url": "https://lendb.ai/lo/danielle-pitzo-562497.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Cleveland",
          "state": "OH"
        },
        "licensed_states": [
          "FL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IL",
          "IN",
          "LA",
          "MI",
          "MO",
          "OH",
          "OR",
          "PA",
          "TN",
          "TX",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-1611/danielle-pitzo/"
      },
      "reasons": [
        "Lists Construction loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in OR (listed on lender page, verified 2026-10-09)",
        "5 years licensed",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/danielle-pitzo-562497"
    },
    {
      "rank": 13,
      "score": 49,
      "loan_officer": {
        "nmls_id": 1398321,
        "slug": "christina-mccollum-1398321",
        "full_name": "Christina McCollum",
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}