{ "canonical_url": "https://lendb.ai/s/heloc/washington", "summary": "As of 2026-10-11, LenDb lists 59 loan officers licensed in or based in Washington whose lender pages show HELOC work. The top-ranked are Emmett Clark (Loan Factory), Jill Lyons (CMG Home Loans, Reno) and Josh Reid (Guild Mortgage, Vancouver). Ranking is lender-neutral: specialty evidence first, then a license in WA, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "heloc", "state": "WA", "total": 59, "last_verified": "2026-10-11", "results": [ { "rank": 1, "score": 58.3, "loan_officer": { "nmls_id": 233747, "slug": "emmett-clark-233747", "full_name": "Emmett Clark", "canonical_url": "https://lendb.ai/lo/emmett-clark-233747", "json_url": "https://lendb.ai/lo/emmett-clark-233747.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": [ "CO", "FL", "PA", "AL", "AZ", "CA", "HI", "IA", "ID", "KS", "KY", "MO", "OR", "TN", "TX", "UT", "VA", "WA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 2, "licensed_since": { "year": 2024, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/emmett-clark-233747", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2024 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/emmett-clark-233747", "license_check": { "state": "WA", "confidence": "lender_reported", "eligible": true, "label": "WA 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/emmett-clark-233747" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 57.3, "loan_officer": { "nmls_id": 206346, "slug": "jill-lyons-206346", "full_name": "Jill Lyons", "canonical_url": "https://lendb.ai/lo/jill-lyons-206346", "json_url": "https://lendb.ai/lo/jill-lyons-206346.json", "lender": { "nmls_id": 1820, "name": "CMG Home Loans", "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820", "type": "imb" }, "branch": { "city": "Reno", "state": "NV" }, "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" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "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": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "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": "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": "NC", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "NY", "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": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 15, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.cmghomeloans.com/mysite/jill-denise-lyons", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-11)", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2011 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/jill-lyons-206346", "license_check": { "state": "WA", "confidence": "lender_reported", "eligible": true, "label": "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-11", "source_url": "https://www.cmghomeloans.com/mysite/jill-denise-lyons" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 54.8, "loan_officer": { "nmls_id": 409986, "slug": "josh-reid-409986", "full_name": "Josh Reid", "canonical_url": "https://lendb.ai/lo/josh-reid-409986", "json_url": "https://lendb.ai/lo/josh-reid-409986.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "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": "construction", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "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": 27, "lender_profile_url": "https://branches.guildmortgage.com/wa/vancouver/josh-reid-205-vrjre.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Office in Vancouver, WA", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 27 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/josh-reid-409986", "license_check": { "state": "WA", "confidence": "lender_reported", "eligible": true, "label": "WA 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/vancouver/josh-reid-205-vrjre.html" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 54.3, "loan_officer": { "nmls_id": 1247814, "slug": "kris-hermann-1247814", "full_name": "Kris Hermann", "canonical_url": "https://lendb.ai/lo/kris-hermann-1247814", "json_url": "https://lendb.ai/lo/kris-hermann-1247814.json", "lender": { "nmls_id": 2553292, "name": "Lit Financial Corporation", "canonical_url": "https://lendb.ai/lender/lit-financial-2553292", "type": "imb" }, "branch": { "city": null, "state": null }, "licensed_states": [ "CA", "CO", "IN", "NC", "NJ", "OH", "PA", "WA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 11, "licensed_since": { "year": 2015, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://litfinancial.com/loan-experts/kris-hermann", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2015 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/kris-hermann-1247814", "license_check": { "state": "WA", "confidence": "lender_reported", "eligible": true, "label": "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://litfinancial.com/loan-experts/kris-hermann" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 53, "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", "type": "bank" }, "branch": { "city": "Federal Way", "state": "WA" }, "licensed_states": [ "WA" ], "licenses": [ { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 16, "lender_profile_url": "https://homelendingadvisor.chase.com/wa/federal-way/32000-pacific-hwy-s-hla-979433", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Office in Federal Way, WA", "WA 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/yuriana-garcia-979433", "license_check": { "state": "WA", "confidence": "lender_reported", "eligible": true, "label": "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://homelendingadvisor.chase.com/wa/federal-way/32000-pacific-hwy-s-hla-979433" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 52.8, "loan_officer": { "nmls_id": 2751125, "slug": "deandre-coulter-2751125", "full_name": "DeAndre Coulter", "canonical_url": "https://lendb.ai/lo/deandre-coulter-2751125", "json_url": "https://lendb.ai/lo/deandre-coulter-2751125.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Sumner", "state": "WA" }, "licensed_states": [ "WA" ], "licenses": [ { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/wa/sumner/deandre-coulter-265-hpdcou.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Office in Sumner, WA", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/deandre-coulter-2751125", "license_check": { "state": "WA", "confidence": "lender_reported", "eligible": true, "label": "WA 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/sumner/deandre-coulter-265-hpdcou.html" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 51.3, "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" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "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": "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": 3, "licensed_since": { "year": 2023, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-4538/erik-browning/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2023 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/erik-browning-2264602", "license_check": { "state": "WA", "confidence": "lender_reported", "eligible": true, "label": "WA 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/scottsdale-az-4538/erik-browning/" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 48.3, "loan_officer": { "nmls_id": 118777, "slug": "christina-bus-118777", "full_name": "Christina Bús", "canonical_url": "https://lendb.ai/lo/christina-bus-118777", "json_url": "https://lendb.ai/lo/christina-bus-118777.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": [ "AL", "WA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "1099-income", "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": "heloc", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/christina-bus-118777", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/christina-bus-118777", "license_check": { "state": "WA", "confidence": "lender_reported", "eligible": true, "label": "WA 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/christina-bus-118777" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 47.8, "loan_officer": { "nmls_id": 690505, "slug": "iris-legaspi-690505", "full_name": "Iris Legaspi", "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505", "json_url": "https://lendb.ai/lo/iris-legaspi-690505.json", "lender": { "nmls_id": 503941, "name": "First Citizens Bank", "canonical_url": "https://lendb.ai/lender/first-citizens-bank-503941", "type": "bank" }, "branch": { "city": "San Diego", "state": "CA" }, "licensed_states": [ "AL", "AZ", "CA", "CO", "DC", "FL", "GA", "HI", "IA", "IL", "KS", "MA", "MD", "MI", "MN", "MO", "NC", "NE", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "SC", "TN", "TX", "UT", "VA", "WA", "WI", "WV", "WY" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "lender_reported" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "physician", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/iris-legaspi-690505", "license_check": { "state": "WA", "confidence": "lender_reported", "eligible": true, "label": "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://bankers.firstcitizens.com/mortgage/ca/san-diego/iris-legaspi" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 43.8, "loan_officer": { "nmls_id": 238561, "slug": "ashley-ortega-238561", "full_name": "Ashley Ortega", "canonical_url": "https://lendb.ai/lo/ashley-ortega-238561", "json_url": "https://lendb.ai/lo/ashley-ortega-238561.json", "lender": { "nmls_id": 1820, "name": "CMG Home Loans", "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820", "type": "imb" }, "branch": { "city": "Coronado", "state": "CA" }, "licensed_states": [ "FL", "AZ", "CA", "CO", "ID", "NV", "OR", "TN", "TX", "VA", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OR", "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": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://www.cmghomeloans.com/mysite/ashley-ortega", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-11)", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2021 (per Florida records)", "States 20 years of experience (lender page, 2026-10-11)" ], "canonical_url": "https://lendb.ai/lo/ashley-ortega-238561", "license_check": { "state": "WA", "confidence": "lender_reported", "eligible": true, "label": "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-11", "source_url": "https://www.cmghomeloans.com/mysite/ashley-ortega" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 11, "score": 43.3, "loan_officer": { "nmls_id": 2122934, "slug": "desiree-byrne-2122934", "full_name": "Desiree' Byrne", "canonical_url": "https://lendb.ai/lo/desiree-byrne-2122934", "json_url": "https://lendb.ai/lo/desiree-byrne-2122934.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": [ "FL", "CO", "AZ", "CA", "GA", "IA", "IN", "MN", "MO", "NC", "NM", "NV", "OR", "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": "IA", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OR", "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": "construction", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://xperthomelending.com/loan-directory/desiree-byrne", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2021 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/desiree-byrne-2122934", "license_check": { "state": "WA", "confidence": "lender_reported", "eligible": true, "label": "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://xperthomelending.com/loan-directory/desiree-byrne" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 12, "score": 42.8, "loan_officer": { "nmls_id": 1031531, "slug": "rosy-carranza-1031531", "full_name": "Rosy Carranza", "canonical_url": "https://lendb.ai/lo/rosy-carranza-1031531", "json_url": "https://lendb.ai/lo/rosy-carranza-1031531.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Everett", "state": "WA" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "es" ], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/wa/everett/2628-colby-ave-hla-1031531", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Office in Everett, WA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/rosy-carranza-1031531", "license_check": { "state": "WA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 13, "score": 42, "loan_officer": { "nmls_id": 2521317, "slug": "rachel-lee-2521317", "full_name": "Rachel Lee", "canonical_url": "https://lendb.ai/lo/rachel-lee-2521317", "json_url": "https://lendb.ai/lo/rachel-lee-2521317.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Bellevue", "state": "WA" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [ "ko" ], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/wa/bellevue/10550-ne-8th-st-hla-2521317", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Office in Bellevue, WA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/rachel-lee-2521317", "license_check": { "state": "WA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 14, "score": 41.8, "loan_officer": { "nmls_id": 9030, "slug": "vince-paul-ventura-9030", "full_name": "Vince Paul Ventura", "canonical_url": "https://lendb.ai/lo/vince-paul-ventura-9030", "json_url": "https://lendb.ai/lo/vince-paul-ventura-9030.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": [ "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": "construction", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/or/salem/vince-ventura-479-wgvv.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/vince-paul-ventura-9030", "license_check": { "state": "WA", "confidence": "lender_reported", "eligible": true, "label": "WA 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/salem/vince-ventura-479-wgvv.html" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 15, "score": 41.8, "loan_officer": { "nmls_id": 583063, "slug": "kelly-hagler-583063", "full_name": "Kelly Hagler", "canonical_url": "https://lendb.ai/lo/kelly-hagler-583063", "json_url": "https://lendb.ai/lo/kelly-hagler-583063.json", "lender": { "nmls_id": 1820, "name": "CMG Home Loans", "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820", "type": "imb" }, "branch": { "city": "Napa ", "state": "CA" }, "licensed_states": [ "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DE", "FL", "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", "VA", "VT", "WA", "WI", "WV", "WY" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "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": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "lender_reported" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "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": "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": "NC", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "NY", "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": "WV", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.cmghomeloans.com/mysite/Kelly-Hagler", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-11)", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/kelly-hagler-583063", "license_check": { "state": "WA", "confidence": "lender_reported", "eligible": true, "label": "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-11", "source_url": "https://www.cmghomeloans.com/mysite/Kelly-Hagler" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 16, "score": 41.8, "loan_officer": { "nmls_id": 693929, "slug": "mark-sherman-693929", "full_name": "Mark Sherman", "canonical_url": "https://lendb.ai/lo/mark-sherman-693929", "json_url": "https://lendb.ai/lo/mark-sherman-693929.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Olympia", "state": "WA" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/wa/olympia/825-capitol-way-s-hla-693929", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Office in Olympia, WA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/mark-sherman-693929", "license_check": { "state": "WA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 17, "score": 41.8, "loan_officer": { "nmls_id": 2298077, "slug": "sara-alavy-2298077", "full_name": "Sara Alavy", "canonical_url": "https://lendb.ai/lo/sara-alavy-2298077", "json_url": "https://lendb.ai/lo/sara-alavy-2298077.json", "lender": { "nmls_id": 399798, "name": "JPMorgan Chase Bank (Chase Home Lending)", "canonical_url": "https://lendb.ai/lender/chase-399798", "type": "bank" }, "branch": { "city": "Sammamish", "state": "WA" }, "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://homelendingadvisor.chase.com/wa/sammamish/2950-issaquah-pine-lake-rd-se-hla-2298077", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Office in Sammamish, WA", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/sara-alavy-2298077", "license_check": { "state": "WA", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-09", "source_url": null }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 18, "score": 40, "loan_officer": { "nmls_id": 2774623, "slug": "thomas-samulski-2774623", "full_name": "Thomas Samulski", "canonical_url": "https://lendb.ai/lo/thomas-samulski-2774623", "json_url": "https://lendb.ai/lo/thomas-samulski-2774623.json", "lender": { "nmls_id": 2553292, "name": "Lit Financial Corporation", "canonical_url": "https://lendb.ai/lender/lit-financial-2553292", "type": "imb" }, "branch": { "city": null, "state": null }, "licensed_states": [ "FL", "CO", "MI", "OH", "TX", "WA" ], "licenses": [ { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 0, "licensed_since": { "year": 2026, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://litfinancial.com/loan-experts/thomas-samulski", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2026 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/thomas-samulski-2774623", "license_check": { "state": "WA", "confidence": "lender_reported", "eligible": true, "label": "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://litfinancial.com/loan-experts/thomas-samulski" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 19, "score": 31, "loan_officer": { "nmls_id": 113118, "slug": "jennifer-kim-113118", "full_name": "Jennifer Kim", "canonical_url": "https://lendb.ai/lo/jennifer-kim-113118", "json_url": "https://lendb.ai/lo/jennifer-kim-113118.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": [ "OR", "WA" ], "licenses": [ { "state": "OR", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "ko" ], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 26, "lender_profile_url": "https://crosscountrymortgage.com/seattle-wa-5194/jennifer-kim/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Office in Seattle, WA", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 26 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jennifer-kim-113118", "license_check": { "state": "WA", "confidence": "lender_reported", "eligible": true, "label": "WA 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-5194/jennifer-kim/" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 20, "score": 30.8, "loan_officer": { "nmls_id": 299013, "slug": "april-janas-299013", "full_name": "April Janas", "canonical_url": "https://lendb.ai/lo/april-janas-299013", "json_url": "https://lendb.ai/lo/april-janas-299013.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Puyallup", "state": "WA" }, "licensed_states": [ "FL", "AL", "AZ", "CO", "ID", "IL", "MT", "NV", "OR", "SC", "TN", "TX", "WA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "MT", "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": "construction", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 0, "licensed_since": { "year": 2026, "state": "FL" }, "years_experience": 25, "lender_profile_url": "https://crosscountrymortgage.com/puyallup-wa-4189/april-janas/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Office in Puyallup, WA", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2026 (per Florida records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/april-janas-299013", "license_check": { "state": "WA", "confidence": "lender_reported", "eligible": true, "label": "WA 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/puyallup-wa-4189/april-janas/" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 21, "score": 30.8, "loan_officer": { "nmls_id": 505811, "slug": "sunny-larsen-505811", "full_name": "Sunny Larsen", "canonical_url": "https://lendb.ai/lo/sunny-larsen-505811", "json_url": "https://lendb.ai/lo/sunny-larsen-505811.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Puyallup", "state": "WA" }, "licensed_states": [ "FL", "CO", "AL", "AZ", "CA", "ID", "OR", "WA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "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": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 21, "lender_profile_url": "https://crosscountrymortgage.com/puyallup-wa-4189/sunny-larsen/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Office in Puyallup, WA", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2022 (per Florida records)", "States 21 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/sunny-larsen-505811", "license_check": { "state": "WA", "confidence": "lender_reported", "eligible": true, "label": "WA 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/puyallup-wa-4189/sunny-larsen/" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 22, "score": 27.8, "loan_officer": { "nmls_id": 86512, "slug": "douglas-reese-86512", "full_name": "Scott Reese", "canonical_url": "https://lendb.ai/lo/douglas-reese-86512", "json_url": "https://lendb.ai/lo/douglas-reese-86512.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", "AZ", "CA", "CO", "IN", "KS", "MN", "MT", "NV", "NY", "OH", "OR", "TN", "TX", "WA", "WI", "WV" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2146/douglas-reese/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2022 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/douglas-reese-86512", "license_check": { "state": "WA", "confidence": "lender_reported", "eligible": true, "label": "WA 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/cleveland-oh-2146/douglas-reese/" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 23, "score": 27.8, "loan_officer": { "nmls_id": 219043, "slug": "scott-schneiderman-219043", "full_name": "Scott Schneiderman", "canonical_url": "https://lendb.ai/lo/scott-schneiderman-219043", "json_url": "https://lendb.ai/lo/scott-schneiderman-219043.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Chicago", "state": "IL" }, "licensed_states": [ "FL", "AK", "AL", "AR", "AZ", "CA", "CO", "CT", "DC", "GA", "IA", "IL", "IN", "KS", "KY", "MA", "MD", "ME", "MI", "MN", "MO", "NC", "NJ", "NV", "NY", "OH", "OR", "PA", "SC", "TN", "TX", "VA", "WA", "WI" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "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": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "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": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 10, "licensed_since": { "year": 2016, "state": "FL" }, "years_experience": 28, "lender_profile_url": "https://crosscountrymortgage.com/chicago-il-3067/scott-schneiderman/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2016 (per Florida records)", "States 28 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/scott-schneiderman-219043", "license_check": { "state": "WA", "confidence": "lender_reported", "eligible": true, "label": "WA 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/chicago-il-3067/scott-schneiderman/" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 24, "score": 27.8, "loan_officer": { "nmls_id": 312131, "slug": "kirk-taylor-312131", "full_name": "Kirk Taylor", "canonical_url": "https://lendb.ai/lo/kirk-taylor-312131", "json_url": "https://lendb.ai/lo/kirk-taylor-312131.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Naples", "state": "FL" }, "licensed_states": [ "FL", "AZ", "CA", "CO", "GA", "IL", "IN", "MA", "MI", "NV", "OK", "TN", "TX", "VA", "WA", "WI" ], "licenses": [ { "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": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "1099-income", "evidence": "lender_page_text" }, { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 12, "licensed_since": { "year": 2014, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/naples-fl-8209/kirk-taylor/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2014 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/kirk-taylor-312131", "license_check": { "state": "WA", "confidence": "lender_reported", "eligible": true, "label": "WA 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/naples-fl-8209/kirk-taylor/" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] }, { "rank": 25, "score": 27.1, "loan_officer": { "nmls_id": 180315, "slug": "khalisa-davies-180315", "full_name": "Khalisa Davies", "canonical_url": "https://lendb.ai/lo/khalisa-davies-180315", "json_url": "https://lendb.ai/lo/khalisa-davies-180315.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Bothell", "state": "WA" }, "licensed_states": [ "FL", "AK", "AR", "AZ", "CA", "CO", "GA", "HI", "ID", "IL", "IN", "KS", "MI", "MN", "MO", "MT", "NV", "OR", "SD", "TN", "TX", "VA", "WA", "WI", "WY" ], "licenses": [ { "state": "AK", "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": "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": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NV", "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" }, { "state": "WI", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "FL" }, "years_experience": 15, "lender_profile_url": "https://crosscountrymortgage.com/bothell-wa-5556/khalisa-davies/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists HELOC on lender page (lender page, verified 2026-10-09)", "Office in Bothell, WA", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2019 (per Florida records)", "States 15 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/khalisa-davies-180315", "license_check": { "state": "WA", "confidence": "lender_reported", "eligible": true, "label": "WA 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/bothell-wa-5556/khalisa-davies/" }, "match_status": "exact", "matched_specialties": [ "heloc" ], "unconfirmed_specialties": [] } ] }