{
  "canonical_url": "https://lendb.ai/s/fha/washington",
  "summary": "As of 2026-10-09, LenDb lists 367 loan officers licensed in or based in Washington whose lender pages show FHA loan work. The top-ranked are Shelley Covington (Intercap Lending, Kirkland), Matthew Merrill (Guild Mortgage, Vancouver) and Kim Ray (Churchill Mortgage, Ocean Shores). Ranking is lender-neutral: specialty evidence first, then a license in WA, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "fha",
  "state": "WA",
  "total": 367,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 102076,
        "slug": "shelley-covington-102076",
        "full_name": "Shelley Covington",
        "canonical_url": "https://lendb.ai/lo/shelley-covington-102076",
        "json_url": "https://lendb.ai/lo/shelley-covington-102076.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465"
        },
        "branch": {
          "city": "Kirkland",
          "state": "WA"
        },
        "licensed_states": [
          "AZ",
          "OR",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "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": "jumbo",
            "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"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 25,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/shelley-covington/"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "Branch in Washington",
        "25 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/shelley-covington-102076"
    },
    {
      "rank": 2,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 115282,
        "slug": "matthew-merrill-115282",
        "full_name": "Matthew Merrill",
        "canonical_url": "https://lendb.ai/lo/matthew-merrill-115282",
        "json_url": "https://lendb.ai/lo/matthew-merrill-115282.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Vancouver",
          "state": "WA"
        },
        "licensed_states": [
          "CO",
          "ID",
          "MT",
          "OR",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://branches.guildmortgage.com/wa/vancouver/matthew-merrill-548-hpmme.html"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "Branch in Washington",
        "20 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/matthew-merrill-115282"
    },
    {
      "rank": 3,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 1314698,
        "slug": "kim-ray-1314698",
        "full_name": "Kim Ray",
        "canonical_url": "https://lendb.ai/lo/kim-ray-1314698",
        "json_url": "https://lendb.ai/lo/kim-ray-1314698.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591"
        },
        "branch": {
          "city": "Ocean Shores",
          "state": "WA"
        },
        "licensed_states": [
          "AZ",
          "OR",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/kim-ray"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "Branch in Washington",
        "20 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kim-ray-1314698"
    },
    {
      "rank": 4,
      "score": 58,
      "loan_officer": {
        "nmls_id": 74006,
        "slug": "pamela-valadez-74006",
        "full_name": "Pamela Valadez",
        "canonical_url": "https://lendb.ai/lo/pamela-valadez-74006",
        "json_url": "https://lendb.ai/lo/pamela-valadez-74006.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850"
        },
        "branch": {
          "city": "Everett",
          "state": "WA"
        },
        "licensed_states": [
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "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": "rural",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://www.apmortgage.com/pamela-valadez"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "Branch in Washington",
        "20 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/pamela-valadez-74006"
    },
    {
      "rank": 5,
      "score": 58,
      "loan_officer": {
        "nmls_id": 674086,
        "slug": "kevin-hassan-674086",
        "full_name": "Kevin Hassan",
        "canonical_url": "https://lendb.ai/lo/kevin-hassan-674086",
        "json_url": "https://lendb.ai/lo/kevin-hassan-674086.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850"
        },
        "branch": {
          "city": "Everett",
          "state": "WA"
        },
        "licensed_states": [
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 25,
        "lender_profile_url": "https://www.apmortgage.com/kevin-hassan"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "Branch in Washington",
        "25 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kevin-hassan-674086"
    },
    {
      "rank": 6,
      "score": 57.4,
      "loan_officer": {
        "nmls_id": 979433,
        "slug": "yuriana-garcia-979433",
        "full_name": "Yuriana Garcia",
        "canonical_url": "https://lendb.ai/lo/yuriana-garcia-979433",
        "json_url": "https://lendb.ai/lo/yuriana-garcia-979433.json",
        "lender": {
          "nmls_id": 399798,
          "name": "JPMorgan Chase Bank (Chase Home Lending)",
          "canonical_url": "https://lendb.ai/lender/chase-399798"
        },
        "branch": {
          "city": "Federal Way",
          "state": "WA"
        },
        "licensed_states": [
          "WA"
        ],
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 16,
        "lender_profile_url": "https://homelendingadvisor.chase.com/wa/federal-way/32000-pacific-hwy-s-hla-979433"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "Branch in Washington",
        "16 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/yuriana-garcia-979433"
    },
    {
      "rank": 7,
      "score": 57.2,
      "loan_officer": {
        "nmls_id": 275494,
        "slug": "kerwin-lyon-275494",
        "full_name": "Kerwin Lyon",
        "canonical_url": "https://lendb.ai/lo/kerwin-lyon-275494",
        "json_url": "https://lendb.ai/lo/kerwin-lyon-275494.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274"
        },
        "branch": {
          "city": "Seattle",
          "state": "WA"
        },
        "licensed_states": [
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "crypto-mortgage",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 16,
        "lender_profile_url": "https://branches.guildmortgage.com/wa/seattle/kerwin-lyon-249-bykl.html"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "Branch in Washington",
        "16 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kerwin-lyon-275494"
    },
    {
      "rank": 8,
      "score": 56.8,
      "loan_officer": {
        "nmls_id": 69656,
        "slug": "steve-lawson-69656",
        "full_name": "Steve Lawson",
        "canonical_url": "https://lendb.ai/lo/steve-lawson-69656",
        "json_url": "https://lendb.ai/lo/steve-lawson-69656.json",
        "lender": {
          "nmls_id": 12007,
          "name": "LeaderOne Financial",
          "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007"
        },
        "branch": {
          "city": "Everett",
          "state": "WA"
        },
        "licensed_states": [
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 24,
        "lender_profile_url": "https://www.leaderonefinancial.com/mlo/steve-lawson"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "Branch in Washington",
        "24 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/steve-lawson-69656"
    },
    {
      "rank": 9,
      "score": 55,
      "loan_officer": {
        "nmls_id": 1287957,
        "slug": "leanne-truong-1287957",
        "full_name": "Leanne Truong",
        "canonical_url": "https://lendb.ai/lo/leanne-truong-1287957",
        "json_url": "https://lendb.ai/lo/leanne-truong-1287957.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591"
        },
        "branch": {
          "city": "Renton",
          "state": "WA"
        },
        "licensed_states": [
          "AZ",
          "CA",
          "TX",
          "WA"
        ],
        "languages": [
          "es"
        ],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 10,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/leanne-truong"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "Branch in Washington",
        "10 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/leanne-truong-1287957"
    },
    {
      "rank": 10,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 517664,
        "slug": "joe-hattendorf-517664",
        "full_name": "Joe Hattendorf",
        "canonical_url": "https://lendb.ai/lo/joe-hattendorf-517664",
        "json_url": "https://lendb.ai/lo/joe-hattendorf-517664.json",
        "lender": {
          "nmls_id": 490518,
          "name": "BECU",
          "canonical_url": "https://lendb.ai/lender/becu-490518"
        },
        "branch": {
          "city": "Everett, Lake Stevens, Monroe, Smokey Point",
          "state": "WA"
        },
        "licensed_states": [
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 12,
        "lender_profile_url": "https://www.becu.org/loans-and-mortgages/home-loans/mortgage-advisors/joe-hattendorf"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "Branch in Washington",
        "12 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/joe-hattendorf-517664"
    },
    {
      "rank": 11,
      "score": 54,
      "loan_officer": {
        "nmls_id": 1657650,
        "slug": "kristi-russell-1657650",
        "full_name": "Kristi Russell",
        "canonical_url": "https://lendb.ai/lo/kristi-russell-1657650",
        "json_url": "https://lendb.ai/lo/kristi-russell-1657650.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591"
        },
        "branch": {
          "city": "Kennewick",
          "state": "WA"
        },
        "licensed_states": [
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "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"
          }
        ],
        "years_licensed": null,
        "years_experience": 8,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/kristi-russell"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "Branch in Washington",
        "8 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/kristi-russell-1657650"
    },
    {
      "rank": 12,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 46122,
        "slug": "merrick-myers-46122",
        "full_name": "Merrick Myers",
        "canonical_url": "https://lendb.ai/lo/merrick-myers-46122",
        "json_url": "https://lendb.ai/lo/merrick-myers-46122.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591"
        },
        "branch": {
          "city": "Coeur d'Alene",
          "state": "ID"
        },
        "licensed_states": [
          "ID",
          "MT",
          "OR",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 22,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/merrick-myers"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "22 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/merrick-myers-46122"
    },
    {
      "rank": 13,
      "score": 53.8,
      "loan_officer": {
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          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 25,
        "lender_profile_url": "https://www.empirehomeloans.com/team/carol"
      },
      "reasons": [
        "Lists FHA loan on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "25 years experience (stated on lender page, 2026-10-09)",
        "No disciplinary actions on file at LenDb"
      ],
      "canonical_url": "https://lendb.ai/lo/carol-pope-403897"
    }
  ]
}