{ "canonical_url": "https://lendb.ai/s/jumbo/washington", "summary": "As of 2026-10-09, LenDb lists 190 loan officers licensed in or based in Washington whose lender pages show Jumbo loan work. The top-ranked are Michelle Muqtadir (CrossCountry Mortgage, Seattle), Nicole Hanni (Guild Mortgage, Butte) and Joe Magallanes (CrossCountry Mortgage, Newport Beach). Ranking is lender-neutral: specialty evidence first, then a license in WA, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "jumbo", "state": "WA", "total": 190, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 62.8, "loan_officer": { "nmls_id": 143470, "slug": "michelle-muqtadir-143470", "full_name": "Michelle Muqtadir", "canonical_url": "https://lendb.ai/lo/michelle-muqtadir-143470", "json_url": "https://lendb.ai/lo/michelle-muqtadir-143470.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", "AZ", "CA", "CO", "HI", "ID", "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": "HI", "confidence": "lender_reported" }, { "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": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "low-credit", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/seattle-wa-5551/michelle-muqtadir/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan 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)", "Licensed since 2023 (per Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/michelle-muqtadir-143470", "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-5551/michelle-muqtadir/" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 59.8, "loan_officer": { "nmls_id": 487293, "slug": "nicole-hanni-487293", "full_name": "Nicole Hanni", "canonical_url": "https://lendb.ai/lo/nicole-hanni-487293", "json_url": "https://lendb.ai/lo/nicole-hanni-487293.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Butte", "state": "MT" }, "licensed_states": [ "MT", "WA" ], "licenses": [ { "state": "MT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://branches.guildmortgage.com/mt/butte/nicole-hanni-394-bvnha.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan 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)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/nicole-hanni-487293", "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/mt/butte/nicole-hanni-394-bvnha.html" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 59.8, "loan_officer": { "nmls_id": 491678, "slug": "jose-magallanes-491678", "full_name": "Joe Magallanes", "canonical_url": "https://lendb.ai/lo/jose-magallanes-491678", "json_url": "https://lendb.ai/lo/jose-magallanes-491678.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Newport Beach", "state": "CA" }, "licensed_states": [ "FL", "AR", "AZ", "CA", "CO", "CT", "GA", "IL", "KY", "MA", "MD", "MI", "NC", "NJ", "NM", "NV", "NY", "OH", "OK", "OR", "PA", "TN", "TX", "VA", "WA", "WV" ], "licenses": [ { "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": "IL", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "NC", "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": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-4169/jose-magallanes/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan 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 Florida records)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/jose-magallanes-491678", "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/newport-beach-ca-4169/jose-magallanes/" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 58.8, "loan_officer": { "nmls_id": 102076, "slug": "shelley-covington-102076", "full_name": "Shelley Covington", "canonical_url": "https://lendb.ai/lo/shelley-covington-102076", "json_url": "https://lendb.ai/lo/shelley-covington-102076.json", "lender": { "nmls_id": 190465, "name": "Intercap Lending", "canonical_url": "https://lendb.ai/lender/intercap-lending-190465", "type": "imb" }, "branch": { "city": "Kirkland", "state": "WA" }, "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": "bank-statement", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 25, "lender_profile_url": "https://www.intercaplending.com/loan-officer/shelley-covington/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)", "Office in Kirkland, WA", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/shelley-covington-102076", "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.intercaplending.com/loan-officer/shelley-covington/" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 58, "loan_officer": { "nmls_id": 74006, "slug": "pamela-valadez-74006", "full_name": "Pamela Valadez", "canonical_url": "https://lendb.ai/lo/pamela-valadez-74006", "json_url": "https://lendb.ai/lo/pamela-valadez-74006.json", "lender": { "nmls_id": 1850, "name": "American Pacific Mortgage", "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850", "type": "imb" }, "branch": { "city": "Everett", "state": "WA" }, "licensed_states": [ "WA" ], "licenses": [ { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "manufactured", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "rural", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://www.apmortgage.com/pamela-valadez", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)", "Office in Everett, WA", "WA 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/pamela-valadez-74006", "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.apmortgage.com/pamela-valadez" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 56.5, "loan_officer": { "nmls_id": 1210610, "slug": "samantha-lindley-1210610", "full_name": "Samantha Lindley", "canonical_url": "https://lendb.ai/lo/samantha-lindley-1210610", "json_url": "https://lendb.ai/lo/samantha-lindley-1210610.json", "lender": { "nmls_id": 1850, "name": "American Pacific Mortgage", "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850", "type": "imb" }, "branch": { "city": "Kennewick", "state": "WA" }, "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": "jumbo", "evidence": "lender_page_text" }, { "slug": "manufactured", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 9, "lender_profile_url": "https://www.apmortgage.com/samantha-lindley", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)", "Office in Kennewick, WA", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 9 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/samantha-lindley-1210610", "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.apmortgage.com/samantha-lindley" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 56.3, "loan_officer": { "nmls_id": 265169, "slug": "casey-oiness-265169", "full_name": "Casey Sean Oiness", "canonical_url": "https://lendb.ai/lo/casey-oiness-265169", "json_url": "https://lendb.ai/lo/casey-oiness-265169.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Bellevue", "state": "WA" }, "licensed_states": [ "FL", "CO", "AK", "AZ", "CA", "CT", "GA", "ID", "MO", "MT", "NV", "OR", "SC", "TN", "TX", "WA", "WI", "WY" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "MO", "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" }, { "state": "WI", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/wa/bellevue/casey-oiness-860-kdco.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)", "Office in Bellevue, WA", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2019 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/casey-oiness-265169", "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/bellevue/casey-oiness-860-kdco.html" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 55, "loan_officer": { "nmls_id": 182321, "slug": "michelle-oliver-182321", "full_name": "Michelle Hudson", "canonical_url": "https://lendb.ai/lo/michelle-oliver-182321", "json_url": "https://lendb.ai/lo/michelle-oliver-182321.json", "lender": { "nmls_id": 1850, "name": "American Pacific Mortgage", "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850", "type": "imb" }, "branch": { "city": "Eagle", "state": "ID" }, "licensed_states": [ "ID", "OR", "WA" ], "licenses": [ { "state": "ID", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": 4, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": 35, "lender_profile_url": "https://www.apmortgage.com/michelle-hudson", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan 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 35 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/michelle-oliver-182321", "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.apmortgage.com/michelle-hudson" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 55, "loan_officer": { "nmls_id": 403897, "slug": "carol-pope-403897", "full_name": "Carol Pope", "canonical_url": "https://lendb.ai/lo/carol-pope-403897", "json_url": "https://lendb.ai/lo/carol-pope-403897.json", "lender": { "nmls_id": 1839243, "name": "Empire Home Loans", "canonical_url": "https://lendb.ai/lender/empire-home-loans-1839243", "type": "broker" }, "branch": { "city": "Fair Oaks", "state": "CA" }, "licensed_states": [ "WA" ], "licenses": [ { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "manufactured", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 25, "lender_profile_url": "https://www.empirehomeloans.com/team/carol", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan 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)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/carol-pope-403897", "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.empirehomeloans.com/team/carol" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 55, "loan_officer": { "nmls_id": 484350, "slug": "nadia-raknai-484350", "full_name": "Nadia Raknai", "canonical_url": "https://lendb.ai/lo/nadia-raknai-484350", "json_url": "https://lendb.ai/lo/nadia-raknai-484350.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": [ "CA", "OR", "TX", "WA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "th" ], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 28, "lender_profile_url": "https://crosscountrymortgage.com/seattle-wa-5235/nadia-raknai/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan 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; 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verify at NMLS)", "Licensed since 2025 (per Florida records)", "States 15 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/christine-reino-896237", "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.churchillmortgage.com/loan-officers/christine-reino" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 23, "score": 52.8, "loan_officer": { "nmls_id": 1306487, "slug": "mark-villano-1306487", "full_name": "Mark Villano", "canonical_url": "https://lendb.ai/lo/mark-villano-1306487", "json_url": "https://lendb.ai/lo/mark-villano-1306487.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Lakewood", "state": "WA" }, "licensed_states": [ "FL", "AK", "AL", "AZ", "CA", "CO", "GA", "HI", "ID", "IL", "IN", "KS", "KY", "LA", "ME", "MN", "MO", "MT", "NC", "NH", "NM", "OK", "OR", "PA", "SC", "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": "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": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "OK", "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" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "CO" }, "years_experience": 12, "lender_profile_url": "https://crosscountrymortgage.com/lakewood-wa-5536/mark-villano/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan on lender page (lender page, verified 2026-10-09)", "Office in Lakewood, WA", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2019 (per Colorado records)", "States 12 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/mark-villano-1306487", "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/lakewood-wa-5536/mark-villano/" }, "match_status": "exact", "matched_specialties": [ "jumbo" ], "unconfirmed_specialties": [] }, { "rank": 24, "score": 52.3, "loan_officer": { "nmls_id": 583034, "slug": "stephen-bowdon-583034", "full_name": "Stephen Bowdon", "canonical_url": "https://lendb.ai/lo/stephen-bowdon-583034", "json_url": "https://lendb.ai/lo/stephen-bowdon-583034.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": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 16, "lender_profile_url": "https://branches.guildmortgage.com/wa/vancouver/stephen-bowdon-548-hpsbo.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Jumbo loan 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; 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