LenDb.ai

Borrower situations · Washington

Loan officers for borrowers with a recent credit event in Washington

As of 2026-10-09, LenDb lists 4 loan officers licensed in or based in Washington whose lender pages show Recent credit event work. The top-ranked are Lynn Marie Bruno (Guild Mortgage, Lake Oswego), Don R. Oneida (Loan Factory, Ferndale) and Danny Patron (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in WA, branch location, experience and profile completeness. Nobody pays for placement.

Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.

Ranked, with reasons · top 4

  1. 1

    Lynn Marie BrunoNMLS 112674

    Guild Mortgage · Lake Oswego, OR · licensed in 3 states

    • Recent credit event
    • FHA loan
    • First-time buyer
    • Jumbo loan
    • Lists Recent credit event on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • 28 years experience (stated on lender page, 2026-10-09)
  2. 2

    Don R. OneidaNMLS 55604

    Loan Factory · Mortgage broker · Ferndale, WA

    • Recent credit event
    • First-time buyer
    • Renovation loan (203k / HomeStyle)
    • Lists Recent credit event on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
    • Branch in Washington
    • 24 years experience (stated on lender page, 2026-10-09)
  3. 3

    Danny PatronNMLS 2137715

    Loan Factory · Mortgage broker · licensed in 3 states

    • Recent credit event
    • Real estate investor
    • Lists Recent credit event on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)
  4. 4

    Abby MontenegroNMLS 1085221

    Loan Factory · Mortgage broker · licensed in 8 states

    • Recent credit event
    • Asset-based qualifying
    • Lists Recent credit event on lender page (lender page, verified 2026-10-09)
    • Licensed in WA (listed on lender page, verified 2026-10-09)

Before you choose

Waiting periods differ by program and event, and some non-QM lenders accept events just one day out.

  • What waiting period applies to my event for each program?
  • Do extenuating circumstances shorten the wait?
  • What non-QM options exist if I cannot wait?

More about Recent credit event

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in WA or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=recent-credit-event&state=WA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.