{ "canonical_url": "https://lendb.ai/s/refinance/nevada", "summary": "As of 2026-10-26, LenDb lists 104 loan officers licensed in or based in Nevada whose lender pages show Refinance work. The top-ranked are Kathleen Spicuzza (CrossCountry Mortgage, Las Vegas), Troy Weatherly (Belem Servicing LLC, Las Vegas) and Nick Carter (Directors Mortgage, Eugene). Ranking is lender-neutral: specialty evidence first, then a license in NV, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "refinance", "state": "NV", "total": 104, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 69, "loan_officer": { "nmls_id": 865895, "slug": "kathleen-spicuzza-865895", "full_name": "Kathleen Spicuzza", "canonical_url": "https://lendb.ai/lo/kathleen-spicuzza-865895", "json_url": "https://lendb.ai/lo/kathleen-spicuzza-865895.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": "Las Vegas", "state": "NV" }, "headshot_url": "https://thevault.ccm.com/m/6cb897a66295b38f/Website-3493_Spicuzza_865895.jpg", "licensed_states": [ "FL", "AZ", "CA", "NV", "TN", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "heloc", "investor", "jumbo", "non-qm", "physician", "renovation", "rural", "self-employed", "usda" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2019-09-18", "state": "CA" }, "licensed_since": { "year": 2019, "state": "CA" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/las-vegas-nv-3627/kathleen-spicuzza/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-22)", "Office in Las Vegas, NV", "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: September 18, 2019 (California), per state regulator", "States 20 years of experience (lender page, 2026-10-22)" ], "canonical_url": "https://lendb.ai/lo/kathleen-spicuzza-865895", "license_check": { "state": "NV", "confidence": "lender_reported", "eligible": true, "label": "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-22", "source_url": "https://crosscountrymortgage.com/las-vegas-nv-3627/kathleen-spicuzza/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 2, "score": 57.3, "loan_officer": { "nmls_id": 357207, "slug": "troy-weatherly-357207", "full_name": "Troy Weatherly", "canonical_url": "https://lendb.ai/lo/troy-weatherly-357207", "json_url": "https://lendb.ai/lo/troy-weatherly-357207.json", "lender": { "nmls_id": 715386, "name": "Belem Servicing LLC", "slug": "belem-servicing-llc-715386", "canonical_url": "https://lendb.ai/lender/belem-servicing-llc-715386", "type": "imb" }, "branch": { "city": "Las Vegas", "state": "NV" }, "headshot_url": "https://patriothomemortgage.com/wp-content/uploads/2026/09/patriothomemortgage.com-troy-weatherly-nmls-357207.png", "licensed_states": [ "NV", "PA", "VA" ], "licenses": [ { "state": "NV", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en" ], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://patriothomemortgage.com/mortgage-officer/troy-weatherly/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Las Vegas, NV", "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 20 years of experience (lender page, 2026-10-26)" ], "canonical_url": "https://lendb.ai/lo/troy-weatherly-357207", "license_check": { "state": "NV", "confidence": "lender_reported", "eligible": true, "label": "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-26", "source_url": "https://patriothomemortgage.com/mortgage-officer/troy-weatherly/" }, "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)", "NV 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": "NV", "confidence": "lender_reported", "eligible": true, "label": "NV 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)", "NV 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": "NV", "confidence": "lender_reported", "eligible": true, "label": "NV 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)", "NV 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": "NV", "confidence": "lender_reported", "eligible": true, "label": "NV 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": 48, "loan_officer": { "nmls_id": 1911943, "slug": "nicholas-pagnini-1911943", "full_name": "Nicholas Charles Pagnini", "canonical_url": "https://lendb.ai/lo/nicholas-pagnini-1911943", "json_url": "https://lendb.ai/lo/nicholas-pagnini-1911943.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://d3i17xsp2ml938.cloudfront.net/sso/3GWDuh5OsicsuhsxXWOm04KCtcnaqvoMnnQMpMJT.png", "licensed_states": [ "FL", "TX", "CA", "IL", "MA", "NV", "OR", "PA", "TN", "WA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IL", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "fha", "heloc", "jumbo", "non-qm", "reverse", "usda", "va" ], "years_licensed": null, "earliest_license_record": { "date": "2020-02-14", "state": "CA" }, "licensed_since": { "year": 2020, "state": "CA" }, "years_experience": null, "lender_profile_url": "https://www.barrettfinancial.com/nicholas-pagnini", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "NV listed on their lender page (not yet checked with the state regulator; 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Burns", "first_name": "Kathy", "middle_initial": "P", "last_name": "Burns", "states": [ "CA", "FL", "TX" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/kathy-burns-288457", "json_url": "https://lendb.ai/lo/kathy-burns-288457.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": "Newport Beach", "state": "CA" }, "headshot_url": "https://thevault.ccm.com/asset/183c0a71-eb3c-43c7-80b8-2dc10af7b74a/Website/Kathy-Burns.jpg", "licensed_states": [ "TX", "AZ", "CA", "CO", "GA", "NV", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "investor", "jumbo", "non-qm", "physician", "renovation", "rural", "self-employed", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2010-05-27", "state": "CA" }, "licensed_since": { "year": 2010, "state": "CA" }, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-3833/kathy-burns/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-22)", "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: May 27, 2010 (California), per state regulator", "States 20 years of experience (lender page, 2026-10-22)" ], "canonical_url": "https://lendb.ai/lo/kathy-burns-288457", "license_check": { "state": "NV", "confidence": "lender_reported", "eligible": true, "label": "NV listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-22", "source_url": "https://crosscountrymortgage.com/newport-beach-ca-3833/kathy-burns/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" } ] }