{
  "canonical_url": "https://lendb.ai/s/dscr/idaho",
  "summary": "As of 2026-10-09, LenDb lists 7 loan officers licensed in or based in Idaho whose lender pages show DSCR loan work. The top-ranked are Michelle Hudson (American Pacific Mortgage, Eagle), Erik Browning (CrossCountry Mortgage, Scottsdale) and Aaron Rodriguez (CrossCountry Mortgage, Lake Oswego). Ranking is lender-neutral: specialty evidence first, then a license in ID, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "dscr",
  "state": "ID",
  "total": 7,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 51.5,
      "loan_officer": {
        "nmls_id": 182321,
        "slug": "michelle-oliver-182321",
        "full_name": "Michelle Hudson",
        "canonical_url": "https://lendb.ai/lo/michelle-oliver-182321",
        "json_url": "https://lendb.ai/lo/michelle-oliver-182321.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Eagle",
          "state": "ID"
        },
        "licensed_states": [
          "ID",
          "OR",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": 35,
        "lender_profile_url": "https://www.apmortgage.com/michelle-hudson",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ID (listed on lender page, verified 2026-10-09)",
        "Branch in Idaho",
        "3 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/michelle-oliver-182321"
    },
    {
      "rank": 2,
      "score": 50.3,
      "loan_officer": {
        "nmls_id": 2264602,
        "slug": "erik-browning-2264602",
        "full_name": "Erik Browning",
        "canonical_url": "https://lendb.ai/lo/erik-browning-2264602",
        "json_url": "https://lendb.ai/lo/erik-browning-2264602.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Scottsdale",
          "state": "AZ"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "DC",
          "ID",
          "MD",
          "NC",
          "OH",
          "OR",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "dscr",
            "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"
          }
        ],
        "years_licensed": 1,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-4538/erik-browning/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ID (listed on lender page, verified 2026-10-09)",
        "1 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/erik-browning-2264602"
    },
    {
      "rank": 3,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 452234,
        "slug": "aaron-rodriguez-452234",
        "full_name": "Aaron Rodriguez",
        "canonical_url": "https://lendb.ai/lo/aaron-rodriguez-452234",
        "json_url": "https://lendb.ai/lo/aaron-rodriguez-452234.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Lake Oswego",
          "state": "OR"
        },
        "licensed_states": [
          "ID",
          "OR",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/lake-oswego-or-5423/aaron-rodriguez/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ID (listed on lender page, verified 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/aaron-rodriguez-452234"
    },
    {
      "rank": 4,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 2017731,
        "slug": "farrell-lametterey-2017731",
        "full_name": "Farrell LaMetterey",
        "canonical_url": "https://lendb.ai/lo/farrell-lametterey-2017731",
        "json_url": "https://lendb.ai/lo/farrell-lametterey-2017731.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": "North Idaho",
          "state": "ID"
        },
        "licensed_states": [
          "ID",
          "OR"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/farrell-lametterey-2017731",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ID (listed on lender page, verified 2026-10-09)",
        "Branch in Idaho"
      ],
      "canonical_url": "https://lendb.ai/lo/farrell-lametterey-2017731"
    },
    {
      "rank": 5,
      "score": 45.3,
      "loan_officer": {
        "nmls_id": 455400,
        "slug": "jim-brettl-455400",
        "full_name": "Jim Brettl",
        "canonical_url": "https://lendb.ai/lo/jim-brettl-455400",
        "json_url": "https://lendb.ai/lo/jim-brettl-455400.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": [
          "AL",
          "AZ",
          "CA",
          "GA",
          "ID",
          "LA",
          "NC",
          "NV",
          "OR",
          "PA",
          "TN",
          "TX",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/jim-brettl",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ID (listed on lender page, verified 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jim-brettl-455400"
    },
    {
      "rank": 6,
      "score": 40.5,
      "loan_officer": {
        "nmls_id": 79745,
        "slug": "william-commons-79745",
        "full_name": "William Commons",
        "canonical_url": "https://lendb.ai/lo/william-commons-79745",
        "json_url": "https://lendb.ai/lo/william-commons-79745.json",
        "lender": {
          "nmls_id": 70876,
          "name": "Assurance Financial",
          "canonical_url": "https://lendb.ai/lender/assurance-financial-70876",
          "type": "imb"
        },
        "branch": {
          "city": "Baton Rouge",
          "state": "LA"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CA",
          "CO",
          "CT",
          "DC",
          "GA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MS",
          "MT",
          "NC",
          "NE",
          "NH",
          "NM",
          "OH",
          "OK",
          "PA",
          "RI",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA",
          "WI",
          "WV"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 7,
        "years_experience": null,
        "lender_profile_url": "https://assurancemortgage.com/assurance_officers/william-commons/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ID (listed on lender page, verified 2026-10-09)",
        "7 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/william-commons-79745"
    },
    {
      "rank": 7,
      "score": 38.5,
      "loan_officer": {
        "nmls_id": 57734,
        "slug": "denise-montgomery-57734",
        "full_name": "Denise Cuddeback Montgomery",
        "canonical_url": "https://lendb.ai/lo/denise-montgomery-57734",
        "json_url": "https://lendb.ai/lo/denise-montgomery-57734.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Eugene",
          "state": "OR"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "ID",
          "MN",
          "MT",
          "OR",
          "TX",
          "WA",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "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": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "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://www.apmortgage.com/denise-montgomery",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists DSCR loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in ID (listed on lender page, verified 2026-10-09)",
        "3 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/denise-montgomery-57734"
    }
  ]
}