{ "canonical_url": "https://lendb.ai/s/refinance/district-of-columbia", "summary": "As of 2026-10-26, LenDb lists 54 loan officers licensed in or based in District of Columbia whose lender pages show Refinance work. The top-ranked are James Conley (CrossCountry Mortgage, Columbia), Jason Stallworth (Embrace Home Loans, Amityville) and Tim Hand (First Home Mortgage, Dunkirk). Ranking is lender-neutral: specialty evidence first, then a license in DC, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "refinance", "state": "DC", "total": 54, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 52, "loan_officer": { "nmls_id": 2026522, "slug": "james-conley-2026522", "full_name": "James Conley", "licensed_names": [ { "name": "James Conley", "name_with_middle_initial": "James F. Conley", "first_name": "James", "middle_initial": "F", "last_name": "Conley", "states": [ "CA", "DE", "FL", "MD", "OR" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/james-conley-2026522", "json_url": "https://lendb.ai/lo/james-conley-2026522.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Columbia", "state": "MD" }, "headshot_url": "https://thevault.ccm.com/asset/e68c2163-72ff-4cf2-be0b-6257dac819af/Website/4469_Conley_2026522.jpg", "licensed_states": [ "FL", "DE", "OR", "CA", "AZ", "DC", "GA", "MD", "MI", "PA", "TN", "VA", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "confirmed" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "heloc", "investor", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2022-08-03", "state": "WI" }, "licensed_since": { "year": 2022, "state": "WI" }, "years_experience": 6, "lender_profile_url": "https://crosscountrymortgage.com/columbia-md-4469/james-conley/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: August 3, 2022 (Wisconsin), per state regulator", "States 6 years of experience (lender page, 2026-10-26)" ], "canonical_url": "https://lendb.ai/lo/james-conley-2026522", "license_check": { "state": "DC", "confidence": "lender_reported", "eligible": true, "label": "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-26", "source_url": "https://crosscountrymortgage.com/columbia-md-4469/james-conley/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 2, "score": 51.5, "loan_officer": { "nmls_id": 7577, "slug": "jason-stallworth-7577", "full_name": "Jason Stallworth", "licensed_names": [ { "name": "Jason Stallworth", "name_with_middle_initial": "Jason C. Stallworth", "first_name": "Jason", "middle_initial": "C", "last_name": "Stallworth", "states": [ "DE", "FL", "NY", "PA" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/jason-stallworth-7577", "json_url": "https://lendb.ai/lo/jason-stallworth-7577.json", "lender": { "nmls_id": 2184, "name": "Embrace Home Loans", "slug": "embrace-home-loans-2184", "canonical_url": "https://lendb.ai/lender/embrace-home-loans-2184", "type": "imb" }, "branch": { "city": "Amityville", "state": "NY" }, "headshot_url": "https://www.embracehomeloans.com/media/54rhdaki/jstallworth_bio72.jpg", "licensed_states": [ "FL", "PA", "NY", "DE", "AL", "DC", "GA", "NJ", "SC", "VA" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NY", "confidence": "confirmed" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "1099-income", "bank-statement", "co-op", "condo", "condo-non-warrantable", "dscr", "investor", "jumbo", "low-credit", "multi-family-2-4", "new-construction", "recent-credit-event", "renovation", "rural", "self-employed", "usda", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2021-11-24", "state": "FL" }, "licensed_since": { "year": 2021, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://www.embracehomeloans.com/location/new-york/amityville/jason-stallworth", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: November 24, 2021 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/jason-stallworth-7577", "license_check": { "state": "DC", "confidence": "lender_reported", "eligible": true, "label": "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://www.embracehomeloans.com/location/new-york/amityville/jason-stallworth" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 3, "score": 51, "loan_officer": { "nmls_id": 2399625, "slug": "john-hand-2399625", "full_name": "Tim Hand", "canonical_url": "https://lendb.ai/lo/john-hand-2399625", "json_url": "https://lendb.ai/lo/john-hand-2399625.json", "lender": { "nmls_id": 71603, "name": "First Home Mortgage", "slug": "first-home-mortgage-71603", "canonical_url": "https://lendb.ai/lender/first-home-mortgage-71603", "type": "imb" }, "branch": { "city": "Dunkirk", "state": "MD" }, "headshot_url": "https://firsthome.com/wp-content/uploads/2024/04/Hand-Tim.jpg", "licensed_states": [ "FL", "DC", "MD", "NC", "VA", "WV" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "construction", "down-payment-assistance", "fha", "jumbo", "renovation", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2022-12-27", "state": "FL" }, "licensed_since": { "year": 2022, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://firsthome.com/loan-officers/tim-hand/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: December 27, 2022 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/john-hand-2399625", "license_check": { "state": "DC", "confidence": "lender_reported", "eligible": true, "label": "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://firsthome.com/loan-officers/tim-hand/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 4, "score": 49, "loan_officer": { "nmls_id": 175801, "slug": "stephen-vallance-175801", "full_name": "Steve Vallance", "licensed_names": [ { "name": "Stephen Vallance", "name_with_middle_initial": "Stephen C. Vallance", "first_name": "Stephen", "middle_initial": "C", "last_name": "Vallance", "states": [ "FL", "MD", "PA", "TX" ], "source": "state_regulator", "as_of": "2026-10-26" } ], "canonical_url": "https://lendb.ai/lo/stephen-vallance-175801", "json_url": "https://lendb.ai/lo/stephen-vallance-175801.json", "lender": { "nmls_id": 113054, "name": "The Mortgage Link, Inc.", "slug": "the-mortgage-link-inc-113054", "canonical_url": "https://lendb.ai/lender/the-mortgage-link-inc-113054", "type": "imb" }, "branch": { "city": "Rockville", "state": "MD" }, "headshot_url": "https://39552115.fs1.hubspotusercontent-na1.net/hubfs/39552115/Loan%20Officer%20Headshots/Steve%20Vallance.png", "licensed_states": [ "FL", "TX", "PA", "DC", "MD" ], "licenses": [ { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "PA", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2022-03-30", "state": "TX" }, "licensed_since": { "year": 2022, "state": "TX" }, "years_experience": null, "lender_profile_url": "https://www.themortgagelink.com/loan-officer/steve-vallance", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: March 30, 2022 (Texas), per state regulator" ], "canonical_url": "https://lendb.ai/lo/stephen-vallance-175801", "license_check": { "state": "DC", "confidence": "lender_reported", "eligible": true, "label": "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-15", "source_url": "https://www.themortgagelink.com/loan-officer/steve-vallance" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 5, "score": 46, "loan_officer": { "nmls_id": 179208, "slug": "jason-fox-179208", "full_name": "Jason Fox", "licensed_names": [ { "name": "Jason Fox", "name_with_middle_initial": "Jason A. Fox", "first_name": "Jason", "middle_initial": "A", "last_name": "Fox", "states": [ "CA", "DE", "FL", "IA", "MD", "TX" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/jason-fox-179208", "json_url": "https://lendb.ai/lo/jason-fox-179208.json", "lender": { "nmls_id": 2893, "name": "NFM Lending", "slug": "nfm-lending-2893", "canonical_url": "https://lendb.ai/lender/nfm-lending-2893", "type": "imb" }, "branch": { "city": "Frederick", "state": "MD" }, "headshot_url": "https://nfmlending.com/wp-content/uploads/Jason-Fox-1x1-1.png", "licensed_states": [ "FL", "DE", "TX", "CA", "CO", "DC", "IA", "IL", "IN", "MD", "MI", "MN", "NC", "PA", "SC", "TN", "VA", "WV" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "confirmed" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MD", "confidence": "confirmed" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "vacation-home", "evidence": "lender_page_text" }, { "slug": "bank-statement", "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": "investor", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "heloc" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2016-08-23", "state": "CA" }, "licensed_since": { "year": 2016, "state": "CA" }, "years_experience": null, "lender_profile_url": "https://nfmlending.com/loanoriginator/jason-alan-fox/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: August 23, 2016 (California), per state regulator" ], "canonical_url": "https://lendb.ai/lo/jason-fox-179208", "license_check": { "state": "DC", "confidence": "lender_reported", "eligible": true, "label": "DC listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://nfmlending.com/loanoriginator/jason-alan-fox/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 6, "score": 45, "loan_officer": { "nmls_id": 182527, "slug": "rob-clark-182527", "full_name": "Rob Clark", "licensed_names": [ { "name": "Robert Clark", "name_with_middle_initial": "Robert S. 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