{ "canonical_url": "https://lendb.ai/s/first-time-buyer/oregon", "summary": "As of 2026-10-09, LenDb lists 261 loan officers licensed in or based in Oregon whose lender pages show First-time buyer work. The top-ranked are Phil Lyman (Guild Mortgage, Portland), Jessica Steenkolk (CrossCountry Mortgage, Newport) and Ben Gonzalez (CrossCountry Mortgage, Salem). Ranking is lender-neutral: specialty evidence first, then a license in OR, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "first-time-buyer", "state": "OR", "total": 261, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 62.8, "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)", "Office in Portland, OR", "OR 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": "OR", "confidence": "lender_reported", "eligible": true, "label": "OR 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": 2, "score": 62.8, "loan_officer": { "nmls_id": 1743610, "slug": "jessica-steenkolk-1743610", "full_name": "Jessica Steenkolk", "canonical_url": "https://lendb.ai/lo/jessica-steenkolk-1743610", "json_url": "https://lendb.ai/lo/jessica-steenkolk-1743610.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Newport", "state": "OR" }, "licensed_states": [ "OR" ], "licenses": [ { "state": "OR", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "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" } ], "years_licensed": null, "licensed_since": null, "years_experience": 23, "lender_profile_url": "https://crosscountrymortgage.com/newport-or-3890/jessica-steenkolk/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Newport, OR", "OR 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/jessica-steenkolk-1743610", "license_check": { "state": "OR", "confidence": "lender_reported", "eligible": true, "label": "OR 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/newport-or-3890/jessica-steenkolk/" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 62, "loan_officer": { "nmls_id": 717922, "slug": "ben-gonzalez-717922", "full_name": "Ben Gonzalez", "canonical_url": "https://lendb.ai/lo/ben-gonzalez-717922", "json_url": "https://lendb.ai/lo/ben-gonzalez-717922.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Salem", "state": "OR" }, "licensed_states": [ "OR", "WA" ], "licenses": [ { "state": "OR", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "es" ], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 18, "lender_profile_url": "https://crosscountrymortgage.com/salem-or-5570/benjamin-gonzalez/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Salem, OR", "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 18 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/ben-gonzalez-717922", "license_check": { "state": "OR", "confidence": "lender_reported", "eligible": true, "label": "OR 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/salem-or-5570/benjamin-gonzalez/" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 61.3, "loan_officer": { "nmls_id": 199779, "slug": "pat-fox-199779", "full_name": "Pat Fox", "canonical_url": "https://lendb.ai/lo/pat-fox-199779", "json_url": "https://lendb.ai/lo/pat-fox-199779.json", "lender": { "nmls_id": 2229, "name": "Union Home Mortgage", "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229", "type": "imb" }, "branch": { "city": "Tigard", "state": "OR" }, "licensed_states": [ "AZ", "CA", "MT", "OR", "TX", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "OR", "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" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 17, "lender_profile_url": "https://www.uhm.com/loan-officers/pat-fox/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Tigard, OR", "OR 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/pat-fox-199779", "license_check": { "state": "OR", "confidence": "lender_reported", "eligible": true, "label": "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.uhm.com/loan-officers/pat-fox/" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 60.8, "loan_officer": { "nmls_id": 292224, "slug": "mindy-hay-292224", "full_name": "Mindy Hay", "canonical_url": "https://lendb.ai/lo/mindy-hay-292224", "json_url": "https://lendb.ai/lo/mindy-hay-292224.json", "lender": { "nmls_id": 2229, "name": "Union Home Mortgage", "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229", "type": "imb" }, "branch": { "city": "Tigard", "state": "OR" }, "licensed_states": [ "AZ", "OR", "WA" ], "licenses": [ { "state": "AZ", "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": 16, "lender_profile_url": "https://www.uhm.com/loan-officers/mindy-hay/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Tigard, OR", "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 16 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/mindy-hay-292224", "license_check": { "state": "OR", "confidence": "lender_reported", "eligible": true, "label": "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.uhm.com/loan-officers/mindy-hay/" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 59.8, "loan_officer": { "nmls_id": 198082, "slug": "chris-berg-198082", "full_name": "Chris Berg", "canonical_url": "https://lendb.ai/lo/chris-berg-198082", "json_url": "https://lendb.ai/lo/chris-berg-198082.json", "lender": { "nmls_id": 66247, "name": "Cardinal Financial Company", "canonical_url": "https://lendb.ai/lender/cardinal-financial-66247", "type": "imb" }, "branch": { "city": "Vancouver", "state": "WA" }, "licensed_states": [ "OR", "WA" ], "licenses": [ { "state": "OR", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://www.cardinalfinancial.com/loan-originator/chris-berg/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/chris-berg-198082", "license_check": { "state": "OR", "confidence": "lender_reported", "eligible": true, "label": "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.cardinalfinancial.com/loan-originator/chris-berg/" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 59.8, "loan_officer": { "nmls_id": 247584, "slug": "daniel-nacarato-247584", "full_name": "Daniel Patrick Nacarato", "canonical_url": "https://lendb.ai/lo/daniel-nacarato-247584", "json_url": "https://lendb.ai/lo/daniel-nacarato-247584.json", "lender": { "nmls_id": 181106, "name": "Barrett Financial Group", "canonical_url": "https://lendb.ai/lender/barrett-financial-181106", "type": "broker" }, "branch": { "city": "Chandler", "state": "AZ" }, "licensed_states": [ "FL", "CO", "CA", "NV", "OR" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "CO" }, "years_experience": 25, "lender_profile_url": "https://www.barrettfinancial.com/dnacarato", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2021 (per Colorado records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/daniel-nacarato-247584", "license_check": { "state": "OR", "confidence": "lender_reported", "eligible": true, "label": "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.barrettfinancial.com/dnacarato" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 8, "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)", "OR 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": "OR", "confidence": "lender_reported", "eligible": true, "label": "OR 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": 9, "score": 59.8, "loan_officer": { "nmls_id": 419013, "slug": "brian-brock-419013", "full_name": "Brian Brock", "canonical_url": "https://lendb.ai/lo/brian-brock-419013", "json_url": "https://lendb.ai/lo/brian-brock-419013.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Lacey", "state": "WA" }, "licensed_states": [ "OR", "WA" ], "licenses": [ { "state": "OR", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 30, "lender_profile_url": "https://branches.guildmortgage.com/wa/lacey/brian-brock-929-hpbbr.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "OR 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/brian-brock-419013", "license_check": { "state": "OR", "confidence": "lender_reported", "eligible": true, "label": "OR 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/wa/lacey/brian-brock-929-hpbbr.html" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 59.8, "loan_officer": { "nmls_id": 490282, "slug": "robert-rankin-490282", "full_name": "Chad Rankin", "canonical_url": "https://lendb.ai/lo/robert-rankin-490282", "json_url": "https://lendb.ai/lo/robert-rankin-490282.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Worcester", "state": "MA" }, "licensed_states": [ "FL", "AL", "AR", "AZ", "CA", "CO", "CT", "GA", "IA", "IL", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "ND", "NE", "NH", "OH", "OK", "OR", "PA", "RI", "SC", "SD", "TN", "TX", "VA", "VT", "WA", "WI", "WY" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 9, "licensed_since": { "year": 2017, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://branches.guildmortgage.com/ma/worcester/chad-rankin-765-rgrra.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "OR listed on their lender page (not yet checked with the state regulator; 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verify at NMLS)", "States 29 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/katy-canales-270783", "license_check": { "state": "OR", "confidence": "lender_reported", "eligible": true, "label": "OR 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/katy-canales" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 12, "score": 58.8, "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)", "Office in Salem, OR", "OR 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": "OR", "confidence": "lender_reported", "eligible": true, "label": "OR 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": 13, "score": 58.8, "loan_officer": { "nmls_id": 1806623, "slug": "blake-vaughn-1806623", "full_name": "Blake Vaughn", "canonical_url": "https://lendb.ai/lo/blake-vaughn-1806623", "json_url": "https://lendb.ai/lo/blake-vaughn-1806623.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Bend", "state": "OR" }, "licensed_states": [ "CA", "ID", "OR", "WA" ], "licenses": [ { "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": "reverse", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 35, "lender_profile_url": "https://crosscountrymortgage.com/bend-or-4320/blake-vaughn/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Bend, OR", "OR listed on their lender page (not yet checked with the state regulator; 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verify at NMLS)", "Licensed since 2024 (per Colorado records)", "States 13 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/roger-wightman-1089536", "license_check": { "state": "OR", "confidence": "lender_reported", "eligible": true, "label": "OR 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/roger-wightman" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 24, "score": 55.3, "loan_officer": { "nmls_id": 2002509, "slug": "jacob-halsey-2002509", "full_name": "Jacob Halsey", "canonical_url": "https://lendb.ai/lo/jacob-halsey-2002509", "json_url": "https://lendb.ai/lo/jacob-halsey-2002509.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "McMinnville", "state": "OR" }, "licensed_states": [ "OR", "WA" ], "licenses": [ { "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": "manufactured", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 5, "lender_profile_url": "https://branches.guildmortgage.com/or/mcminnville/jacob-halsey-272-hpjhal.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in McMinnville, OR", "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 5 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jacob-halsey-2002509", "license_check": { "state": "OR", "confidence": "lender_reported", "eligible": true, "label": "OR 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/mcminnville/jacob-halsey-272-hpjhal.html" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] }, { "rank": 25, "score": 54.8, "loan_officer": { "nmls_id": 112674, "slug": "lynn-marie-bruno-112674", "full_name": "Lynn Marie Bruno", "canonical_url": "https://lendb.ai/lo/lynn-marie-bruno-112674", "json_url": "https://lendb.ai/lo/lynn-marie-bruno-112674.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Lake Oswego", "state": "OR" }, "licensed_states": [ "CA", "OR", "WA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "recent-credit-event", "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": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 28, "lender_profile_url": "https://branches.guildmortgage.com/or/lakeoswego/lynn-bruno-624-mglb.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists First-time buyer on lender page (lender page, verified 2026-10-09)", "Office in Lake Oswego, OR", "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 28 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/lynn-marie-bruno-112674", "license_check": { "state": "OR", "confidence": "lender_reported", "eligible": true, "label": "OR 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/lakeoswego/lynn-bruno-624-mglb.html" }, "match_status": "exact", "matched_specialties": [ "first-time-buyer" ], "unconfirmed_specialties": [] } ] }