{ "canonical_url": "https://lendb.ai/s/refinance/idaho", "summary": "As of 2026-10-26, LenDb lists 85 loan officers licensed in or based in Idaho whose lender pages show Refinance work. The top-ranked are Teri Adams (Guild Mortgage, Twin Falls), Jeremy Wetzel (CrossCountry Mortgage, Louisville) and Nick Carter (Directors Mortgage, Eugene). Ranking is lender-neutral: specialty evidence first, then a license in ID, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "refinance", "state": "ID", "total": 85, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 56, "loan_officer": { "nmls_id": 880762, "slug": "teri-adams-880762", "full_name": "Teri Adams", "canonical_url": "https://lendb.ai/lo/teri-adams-880762", "json_url": "https://lendb.ai/lo/teri-adams-880762.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "slug": "guild-mortgage-3274", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Twin Falls", "state": "ID" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/tfta-teri-adams.jpg", "licensed_states": [ "ID" ], "licenses": [ { "state": "ID", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "heloc", "investor", "itin", "jumbo", "low-credit", "manufactured", "new-construction", "physician", "renovation", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 10, "lender_profile_url": "https://branches.guildmortgage.com/id/twinfalls/teri-adams-888-tfta.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Twin Falls, ID", "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 10 years of experience (lender page, 2026-10-26)" ], "canonical_url": "https://lendb.ai/lo/teri-adams-880762", "license_check": { "state": "ID", "confidence": "lender_reported", "eligible": true, "label": "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-26", "source_url": "https://branches.guildmortgage.com/id/twinfalls/teri-adams-888-tfta.html" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 2, "score": 54.3, "loan_officer": { "nmls_id": 3364, "slug": "jeremy-wetzel-3364", "full_name": "Jeremy Wetzel", "licensed_names": [ { "name": "Jeremy Wetzel", "name_with_middle_initial": "Jeremy M. Wetzel", "first_name": "Jeremy", "middle_initial": "M", "last_name": "Wetzel", "states": [ "CA", "FL" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/jeremy-wetzel-3364", "json_url": "https://lendb.ai/lo/jeremy-wetzel-3364.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": "Louisville", "state": "KY" }, "headshot_url": "https://thevault.ccm.com/m/43e5be55a784fe47/Website-2905_Wetzel_3364.jpg", "licensed_states": [ "FL", "CA", "GA", "ID", "IL", "IN", "KY", "OH", "TN", "VA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "fha", "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": "2010-11-03", "state": "IL" }, "licensed_since": { "year": 2010, "state": "IL" }, "years_experience": 23, "lender_profile_url": "https://crosscountrymortgage.com/louisville-ky-2905/jeremy-wetzel/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: November 3, 2010 (Illinois), per state regulator", "States 23 years of experience (lender page, 2026-10-21)" ], "canonical_url": "https://lendb.ai/lo/jeremy-wetzel-3364", "license_check": { "state": "ID", "confidence": "lender_reported", "eligible": true, "label": "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://crosscountrymortgage.com/louisville-ky-2905/jeremy-wetzel/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 3, "score": 53, "loan_officer": { "nmls_id": 200547, "slug": "nick-carter-200547", "full_name": "Nick Carter", "licensed_names": [ { "name": "Nicholas Carter", "name_with_middle_initial": "Nicholas S. Carter", "first_name": "Nicholas", "middle_initial": "S", "last_name": "Carter", "states": [ "CA", "OR" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/nick-carter-200547", "json_url": "https://lendb.ai/lo/nick-carter-200547.json", "lender": { "nmls_id": 3240, "name": "Directors Mortgage", "slug": "directors-mortgage-3240", "canonical_url": "https://lendb.ai/lender/directors-mortgage-3240", "type": "imb" }, "branch": { "city": "Eugene", "state": "OR" }, "headshot_url": "https://www.directorsmortgage.com/wp-content/uploads/2024/02/nick.png", "licensed_states": [ "OR", "AZ", "CA", "CO", "ID", "MT", "NV", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "lender_offers": [ "asset-based", "bank-statement", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "heloc", "itin", "jumbo", "low-credit", "mixed-use", "non-qm", "renovation", "reverse", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2010-07-31", "state": "OR" }, "licensed_since": { "year": 2010, "state": "OR" }, "years_experience": null, "lender_profile_url": "https://www.directorsmortgage.com/loan-officer/nick-carter/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: July 31, 2010 (Oregon), per state regulator" ], "canonical_url": "https://lendb.ai/lo/nick-carter-200547", "license_check": { "state": "ID", "confidence": "lender_reported", "eligible": true, "label": "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://www.directorsmortgage.com/loan-officer/nick-carter/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 4, "score": 51, "loan_officer": { "nmls_id": 457108, "slug": "eric-raso-457108", "full_name": "Eric Raso", "canonical_url": "https://lendb.ai/lo/eric-raso-457108", "json_url": "https://lendb.ai/lo/eric-raso-457108.json", "lender": { "nmls_id": 1820, "name": "CMG Home Loans", "slug": "cmg-home-loans-1820", "canonical_url": "https://lendb.ai/lender/cmg-home-loans-1820", "type": "imb" }, "branch": { "city": "Tempe", "state": "AZ" }, "headshot_url": "https://cloud.cmgfi.com/dvbdysuf5/image/upload/a_exif,f_auto,g_faces,c_thumb,w_250,h_250,z_0.5,r_max/CMG_Web_Resources/LO_Images/Production_12062_Eric_Raso", "licensed_states": [ "FL", "CO", "CT", "DE", "LA", "MO", "PA", "TX", "AL", "AR", "AZ", "CA", "GA", "IA", "ID", "IL", "IN", "KS", "KY", "MA", "MD", "ME", "MI", "MN", "NC", "NH", "NJ", "NM", "NV", "OH", "OK", "OR", "RI", "SC", "SD", "TN", "VA", "VT", "WA", "WI" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "confirmed" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "confirmed" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IA", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "confirmed" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "PA", "confidence": "confirmed" }, { "state": "RI", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "multi-family-2-4", "evidence": "lender_page_text" }, { "slug": "low-credit", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "first-time-buyer", "heloc", "investor", "jumbo", "new-construction", "renovation", "reverse", "usda" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2014-08-27", "state": "CO" }, "licensed_since": { "year": 2014, "state": "CO" }, "years_experience": 20, "lender_profile_url": "https://www.cmghomeloans.com/mysite/eric-raso", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: August 27, 2014 (Colorado), per state regulator", "States 20 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/eric-raso-457108", "license_check": { "state": "ID", "confidence": "lender_reported", "eligible": true, "label": "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://www.cmghomeloans.com/mysite/eric-raso" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 5, "score": 51, "loan_officer": { "nmls_id": 474281, "slug": "camille-olson-474281", "full_name": "Camille Olson", "canonical_url": "https://lendb.ai/lo/camille-olson-474281", "json_url": "https://lendb.ai/lo/camille-olson-474281.json", "lender": { "nmls_id": 181106, "name": "Barrett Financial Group", "slug": "barrett-financial-181106", "canonical_url": "https://lendb.ai/lender/barrett-financial-181106", "type": "broker" }, "branch": { "city": "Chandler", "state": "AZ" }, "headshot_url": "https://di1v4rx98wr59.cloudfront.net/0a4e3d21ffa3b/399b5a7cc06eecffd4ee216b35d93aab857d4c12.png", "licensed_states": [ "CO", "TX", "AL", "AZ", "GA", "ID", "MT", "NV", "OH", "OK", "UT" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "UT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "lender_offers": [ "fha", "heloc", "jumbo", "non-qm", "reverse", "usda", "va" ], "years_licensed": null, "earliest_license_record": { "date": "2014-07-10", "state": "TX" }, "licensed_since": { "year": 2014, "state": "TX" }, "years_experience": null, "lender_profile_url": "https://www.barrettfinancial.com/colson", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-19)", "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: July 10, 2014 (Texas), per state regulator" ], "canonical_url": "https://lendb.ai/lo/camille-olson-474281", "license_check": { "state": "ID", "confidence": "lender_reported", "eligible": true, "label": "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-19", "source_url": "https://www.barrettfinancial.com/colson" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 6, "score": 50.3, "loan_officer": { "nmls_id": 1210610, "slug": "samantha-lindley-1210610", "full_name": "Samantha Lindley", "licensed_names": [ { "name": "Samantha Lindley", "name_with_middle_initial": "Samantha R. Lindley", "first_name": "Samantha", "middle_initial": "R", "last_name": "Lindley", "states": [ "CA", "OR" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "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", "slug": "american-pacific-mortgage-1850", "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850", "type": "imb" }, "branch": { "city": "Kennewick", "state": "WA" }, "headshot_url": null, "licensed_states": [ "AZ", "CA", "ID", "OR", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "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" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "bank-statement", "construction", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "foreign-national", "heloc", "investor", "itin", "low-credit", "non-qm", "physician", "renovation", "reverse", "self-employed", "usda", "va", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2014-09-11", "state": "OR" }, "licensed_since": { "year": 2014, "state": "OR" }, "years_experience": 9, "lender_profile_url": "https://www.apmortgage.com/samantha-lindley", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: September 11, 2014 (Oregon), per state regulator", "States 9 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/samantha-lindley-1210610", "license_check": { "state": "ID", "confidence": "lender_reported", "eligible": true, "label": "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://www.apmortgage.com/samantha-lindley" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 7, "score": 50.3, "loan_officer": { "nmls_id": 1402202, "slug": "jessica-willis-1402202", "full_name": "Jessica Willis", "canonical_url": "https://lendb.ai/lo/jessica-willis-1402202", "json_url": "https://lendb.ai/lo/jessica-willis-1402202.json", "lender": { "nmls_id": 1850, "name": "American Pacific Mortgage", "slug": "american-pacific-mortgage-1850", "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850", "type": "imb" }, "branch": { "city": "Eagle", "state": "ID" }, "headshot_url": null, "licensed_states": [ "ID", "MO" ], "licenses": [ { "state": "ID", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "condo", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "bank-statement", "dscr", "foreign-national", "heloc", "investor", "itin", "low-credit", "manufactured", "new-construction", "non-qm", "physician", "renovation", "self-employed", "usda", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.apmortgage.com/jessica-willis", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Office in Eagle, ID", "ID listed on their lender page (not yet checked with the state regulator; 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