{ "canonical_url": "https://lendb.ai/s/first-time-buyer/idaho", "summary": "As of 2026-10-09, LenDb lists 134 loan officers licensed in or based in Idaho whose lender pages show First-time buyer work. The top-ranked are Raena Pinchuk (CrossCountry Mortgage, Coeur d'Alene), Devin Fahrner (American Pacific Mortgage, Eagle) and Jeremy Wetzel (CrossCountry Mortgage, Louisville). Ranking is lender-neutral: specialty evidence first, then a license in ID, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "first-time-buyer", "state": "ID", "total": 134, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 61.3, "loan_officer": { "nmls_id": 1488388, "slug": "raena-pinchuk-1488388", "full_name": "Raena Pinchuk", "canonical_url": "https://lendb.ai/lo/raena-pinchuk-1488388", "json_url": "https://lendb.ai/lo/raena-pinchuk-1488388.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Coeur d'Alene", "state": "ID" }, "licensed_states": [ "CA", "ID", "NV", "WA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 17, "lender_profile_url": "https://crosscountrymortgage.com/coeur-dalene-id-5060/raena-pinchuk/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Coeur d'Alene, ID", "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 17 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/raena-pinchuk-1488388", "license_check": { "state": "ID", "confidence": "lender_reported", "eligible": true, "label": "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/coeur-dalene-id-5060/raena-pinchuk/" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 60, "loan_officer": { "nmls_id": 399405, "slug": "devin-fahrner-399405", "full_name": "Devin Fahrner", "canonical_url": "https://lendb.ai/lo/devin-fahrner-399405", "json_url": "https://lendb.ai/lo/devin-fahrner-399405.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": [ "FL", "CO", "AL", "AR", "AZ", "CA", "GA", "ID", "IL", "IN", "MT", "NV", "OK", "OR", "SD", "TX", "WA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 2, "licensed_since": { "year": 2024, "state": "CO" }, "years_experience": 30, "lender_profile_url": "https://www.apmortgage.com/devin-fahrner", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Eagle, ID", "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2024 (per Colorado records)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/devin-fahrner-399405", "license_check": { "state": "ID", "confidence": "lender_reported", "eligible": true, "label": "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.apmortgage.com/devin-fahrner" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 59.8, "loan_officer": { "nmls_id": 3364, "slug": "jeremy-wetzel-3364", "full_name": "Jeremy Wetzel", "canonical_url": "https://lendb.ai/lo/jeremy-wetzel-3364", "json_url": "https://lendb.ai/lo/jeremy-wetzel-3364.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Louisville", "state": "KY" }, "licensed_states": [ "FL", "CA", "GA", "ID", "IL", "IN", "KY", "OH", "TN", "VA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 15, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": 23, "lender_profile_url": "https://crosscountrymortgage.com/louisville-ky-2905/jeremy-wetzel/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2011 (per Florida records)", "States 23 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jeremy-wetzel-3364", "license_check": { "state": "ID", "confidence": "lender_reported", "eligible": true, "label": "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/louisville-ky-2905/jeremy-wetzel/" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 59.8, "loan_officer": { "nmls_id": 218232, "slug": "phil-lyman-218232", "full_name": "Phil Lyman", "canonical_url": "https://lendb.ai/lo/phil-lyman-218232", "json_url": "https://lendb.ai/lo/phil-lyman-218232.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": [ "AZ", "CA", "ID", "OR", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 23, "lender_profile_url": "https://branches.guildmortgage.com/or/portland/phil-lyman-881-chply.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 23 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/phil-lyman-218232", "license_check": { "state": "ID", "confidence": "lender_reported", "eligible": true, "label": "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://branches.guildmortgage.com/or/portland/phil-lyman-881-chply.html" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 59.8, "loan_officer": { "nmls_id": 229184, "slug": "amber-page-229184", "full_name": "Amber Page", "canonical_url": "https://lendb.ai/lo/amber-page-229184", "json_url": "https://lendb.ai/lo/amber-page-229184.json", "lender": { "nmls_id": 3182, "name": "Evergreen Home Loans", "canonical_url": "https://lendb.ai/lender/evergreen-home-loans-3182", "type": "imb" }, "branch": { "city": "Silverdale", "state": "WA" }, "licensed_states": [ "FL", "CO", "AZ", "CA", "GA", "ID", "MT", "NC", "NV", "OR", "SC", "TN", "TX", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://www.evergreenhomeloans.com/loan-officers/amber-page", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2023 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/amber-page-229184", "license_check": { "state": "ID", "confidence": "lender_reported", "eligible": true, "label": "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.evergreenhomeloans.com/loan-officers/amber-page" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 59.8, "loan_officer": { "nmls_id": 256016, "slug": "nancy-herrera-256016", "full_name": "Nancy Siples", "canonical_url": "https://lendb.ai/lo/nancy-herrera-256016", "json_url": "https://lendb.ai/lo/nancy-herrera-256016.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Riverside", "state": "CA" }, "licensed_states": [ "AZ", "CA", "ID", "TN" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://branches.guildmortgage.com/ca/riverside/nancy-siples-607-chnsi.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 30 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/nancy-herrera-256016", "license_check": { "state": "ID", "confidence": "lender_reported", "eligible": true, "label": "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://branches.guildmortgage.com/ca/riverside/nancy-siples-607-chnsi.html" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 59.8, "loan_officer": { "nmls_id": 302214, "slug": "julie-johnson-302214", "full_name": "Julie Johnson", "canonical_url": "https://lendb.ai/lo/julie-johnson-302214", "json_url": "https://lendb.ai/lo/julie-johnson-302214.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": [ "FL", "AK", "AL", "AZ", "CA", "CO", "GA", "HI", "ID", "IL", "IN", "KS", "KY", "MA", "MD", "ME", "MI", "MO", "MT", "NC", "NV", "OH", "OR", "SD", "TN", "TX", "VA", "WA" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/seattle-wa-5531/julie-lyon-johnson/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2025 (per Florida records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/julie-johnson-302214", "license_check": { "state": "ID", "confidence": "lender_reported", "eligible": true, "label": "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://crosscountrymortgage.com/seattle-wa-5531/julie-lyon-johnson/" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 59.8, "loan_officer": { "nmls_id": 408639, "slug": "sam-williams-408639", "full_name": "Sam Williams", "canonical_url": "https://lendb.ai/lo/sam-williams-408639", "json_url": "https://lendb.ai/lo/sam-williams-408639.json", "lender": { "nmls_id": 1591, "name": "Churchill Mortgage", "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591", "type": "imb" }, "branch": { "city": "Salem", "state": "OR" }, "licensed_states": [ "ID", "IL", "MT", "OR", "WA" ], "licenses": [ { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 21, "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/sam-williams", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 21 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/sam-williams-408639", "license_check": { "state": "ID", "confidence": "lender_reported", "eligible": true, "label": "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.churchillmortgage.com/loan-officers/sam-williams" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 58.5, "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", "canonical_url": "https://lendb.ai/lender/loan-factory-320841", "type": "broker" }, "branch": { "city": null, "state": null }, "licensed_states": [ "FL", "AZ", "CA", "HI", "ID", "KS", "NM", "OR", "TX", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "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": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "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" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 22, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/sheilla-lavadia-1399453", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2023 (per Florida records)", "States 22 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/sheilla-lavadia-1399453", "license_check": { "state": "ID", "confidence": "lender_reported", "eligible": true, "label": "ID 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" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 58.3, "loan_officer": { "nmls_id": 1122404, "slug": "andrea-eggleton-1122404", "full_name": "Andrea Eggleton", "canonical_url": "https://lendb.ai/lo/andrea-eggleton-1122404", "json_url": "https://lendb.ai/lo/andrea-eggleton-1122404.json", "lender": { "nmls_id": 190465, "name": "Intercap Lending", "canonical_url": "https://lendb.ai/lender/intercap-lending-190465", "type": "imb" }, "branch": { "city": "Cottonwood Heights", "state": "UT" }, "licensed_states": [ "CO", "AZ", "ID", "NV", "UT" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 6, "licensed_since": { "year": 2020, "state": "CO" }, "years_experience": 17, "lender_profile_url": "https://www.intercaplending.com/loan-officer/andrea-eggleton/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "ID listed on their lender page (not yet checked with the state regulator; 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