{
  "canonical_url": "https://lendb.ai/s/manufactured/oregon",
  "summary": "As of 2026-10-09, LenDb lists 7 loan officers licensed in or based in Oregon whose lender pages show Manufactured home work. The top-ranked are Jacob Halsey (Guild Mortgage, McMinnville), Sara Elizabeth Keller (Guild Mortgage, Clackamas) and Denise Cuddeback Montgomery (American Pacific Mortgage, Eugene). Ranking is lender-neutral: specialty evidence first, then a license in OR, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "manufactured",
  "state": "OR",
  "total": 7,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "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 Manufactured home 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": [
        "manufactured"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 205967,
        "slug": "sara-keller-205967",
        "full_name": "Sara Elizabeth Keller",
        "canonical_url": "https://lendb.ai/lo/sara-keller-205967",
        "json_url": "https://lendb.ai/lo/sara-keller-205967.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Clackamas",
          "state": "OR"
        },
        "licensed_states": [
          "OR"
        ],
        "licenses": [
          {
            "state": "OR",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 23,
        "lender_profile_url": "https://branches.guildmortgage.com/or/clackamas/sara-keller-623-mgsk.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Manufactured home on lender page (lender page, verified 2026-10-09)",
        "Office in Clackamas, 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/sara-keller-205967",
      "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/clackamas/sara-keller-623-mgsk.html"
      },
      "match_status": "exact",
      "matched_specialties": [
        "manufactured"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 54,
      "loan_officer": {
        "nmls_id": 57734,
        "slug": "denise-montgomery-57734",
        "full_name": "Denise Cuddeback Montgomery",
        "canonical_url": "https://lendb.ai/lo/denise-montgomery-57734",
        "json_url": "https://lendb.ai/lo/denise-montgomery-57734.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Eugene",
          "state": "OR"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "ID",
          "MN",
          "MT",
          "OR",
          "TX",
          "WA",
          "WY"
        ],
        "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": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "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": "dscr",
            "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": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": 30,
        "lender_profile_url": "https://www.apmortgage.com/denise-montgomery",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Manufactured home on lender page (lender page, verified 2026-10-09)",
        "Office in Eugene, OR",
        "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2023 (per Florida records)",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/denise-montgomery-57734",
      "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.apmortgage.com/denise-montgomery"
      },
      "match_status": "exact",
      "matched_specialties": [
        "manufactured"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 53.5,
      "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 Manufactured home 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 9 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/samantha-lindley-1210610",
      "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.apmortgage.com/samantha-lindley"
      },
      "match_status": "exact",
      "matched_specialties": [
        "manufactured"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 53.3,
      "loan_officer": {
        "nmls_id": 351403,
        "slug": "roy-montero-351403",
        "full_name": "Roy Montero",
        "canonical_url": "https://lendb.ai/lo/roy-montero-351403",
        "json_url": "https://lendb.ai/lo/roy-montero-351403.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Honolulu",
          "state": "HI"
        },
        "licensed_states": [
          "FL",
          "CO",
          "AZ",
          "CA",
          "HI",
          "ID",
          "MI",
          "MN",
          "NV",
          "OR",
          "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": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MN",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "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://crosscountrymortgage.com/honolulu-hi-3907/roy-montero/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Manufactured home 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 2015 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/roy-montero-351403",
      "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/honolulu-hi-3907/roy-montero/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "manufactured"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 299499,
        "slug": "joe-walker-299499",
        "full_name": "Joe Walker",
        "canonical_url": "https://lendb.ai/lo/joe-walker-299499",
        "json_url": "https://lendb.ai/lo/joe-walker-299499.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Spokane Valley",
          "state": "WA"
        },
        "licensed_states": [
          "ID",
          "MT",
          "OR",
          "WA"
        ],
        "licenses": [
          {
            "state": "ID",
            "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": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "manufactured",
            "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": 24,
        "lender_profile_url": "https://crosscountrymortgage.com/spokane-valley-wa-5206/joseph-walker/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Manufactured home 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 24 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/joe-walker-299499",
      "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/spokane-valley-wa-5206/joseph-walker/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "manufactured"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 1980747,
        "slug": "emilee-macomber-1980747",
        "full_name": "Emilee Macomber",
        "canonical_url": "https://lendb.ai/lo/emilee-macomber-1980747",
        "json_url": "https://lendb.ai/lo/emilee-macomber-1980747.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": [
          "AZ",
          "ID",
          "MO",
          "OR",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "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": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-5281/emilee-macomber/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Manufactured home 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)"
      ],
      "canonical_url": "https://lendb.ai/lo/emilee-macomber-1980747",
      "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/scottsdale-az-5281/emilee-macomber/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "manufactured"
      ],
      "unconfirmed_specialties": []
    }
  ]
}