{ "canonical_url": "https://lendb.ai/s/refinance/north-dakota", "summary": "As of 2026-10-26, LenDb lists 28 loan officers licensed in or based in North Dakota whose lender pages show Refinance work. The top-ranked are Evan Jansen (Summit Mortgage Corporation, Lakewood), Nicole Waechter (Frandsen Bank & Trust, Grand Forks) and Lindsay Witter (American Pacific Mortgage, Roseville). Ranking is lender-neutral: specialty evidence first, then a license in ND, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "refinance", "state": "ND", "total": 28, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 50.3, "loan_officer": { "nmls_id": 128384, "slug": "evan-jansen-128384", "full_name": "Evan Jansen", "licensed_names": [ { "name": "Evan Jansen", "name_with_middle_initial": "Evan L. Jansen", "first_name": "Evan", "middle_initial": "L", "last_name": "Jansen", "states": [ "CA", "FL", "OR", "TX" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/evan-jansen-128384", "json_url": "https://lendb.ai/lo/evan-jansen-128384.json", "lender": { "nmls_id": 1041, "name": "Summit Mortgage Corporation", "slug": "summit-mortgage-corporation-1041", "canonical_url": "https://lendb.ai/lender/summit-mortgage-corporation-1041", "type": "other" }, "branch": { "city": "Lakewood", "state": "CO" }, "headshot_url": "https://www.summit-mortgage.com/wp-content/uploads/EvanJansen.jpg", "licensed_states": [ "FL", "TX", "OR", "AZ", "CA", "CO", "MN", "ND", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en" ], "specialties": [ { "slug": "refinance", "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": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "usda" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2008-07-29", "state": "WI" }, "licensed_since": { "year": 2008, "state": "WI" }, "years_experience": null, "lender_profile_url": "https://www.summit-mortgage.com/loan-officer/evan-jansen/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: July 29, 2008 (Wisconsin), per state regulator" ], "canonical_url": "https://lendb.ai/lo/evan-jansen-128384", "license_check": { "state": "ND", "confidence": "lender_reported", "eligible": true, "label": "ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-15", "source_url": "https://www.summit-mortgage.com/loan-officer/evan-jansen/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 2, "score": 49.3, "loan_officer": { "nmls_id": 1752336, "slug": "nicole-waechter-1752336", "full_name": "Nicole Waechter", "canonical_url": "https://lendb.ai/lo/nicole-waechter-1752336", "json_url": "https://lendb.ai/lo/nicole-waechter-1752336.json", "lender": { "nmls_id": 718070, "name": "Frandsen Bank & Trust", "slug": "frandsen-bank-trust-718070", "canonical_url": "https://lendb.ai/lender/frandsen-bank-trust-718070", "type": "bank" }, "branch": { "city": "Grand Forks", "state": "ND" }, "headshot_url": "https://www.frandsenbank.com/contentful/images/rk3hwr69vz0r/5JCQaJulpnrRVGwrMY4ACh/c60c8f5b66656966db07e7449343745c/Nicole-Waechter.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "new-construction", "vacation-home" ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": 10, "lender_profile_url": "https://www.frandsenbank.com/professionals/nicole-waechter", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Grand Forks, ND", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "States 10 years of experience (lender page, 2026-10-16)" ], "canonical_url": "https://lendb.ai/lo/nicole-waechter-1752336", "license_check": { "state": "ND", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS", "verified_at": "2026-10-16", "source_url": null }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 3, "score": 47.3, "loan_officer": { "nmls_id": 700709, "slug": "lindsay-witter-700709", "full_name": "Lindsay Witter", "licensed_names": [ { "name": "Lindsay Witter", "name_with_middle_initial": "Lindsay R. Witter", "first_name": "Lindsay", "middle_initial": "R", "last_name": "Witter", "states": [ "AR", "CA", "CO", "CT", "FL", "IA", "LA", "OR", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/lindsay-witter-700709", "json_url": "https://lendb.ai/lo/lindsay-witter-700709.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": "Roseville", "state": "CA" }, "headshot_url": null, "licensed_states": [ "CO", "CT", "TX", "LA", "AK", "AL", "AZ", "CA", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "MA", "ME", "MI", "MO", "MT", "NC", "ND", "NE", "NH", "NM", "NV", "OH", "OK", "OR", "PA", "SC", "SD", "TN", "UT", "WA", "WI", "AR", "WY" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "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": "GA", "confidence": "lender_reported" }, { "state": "HI", "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": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NH", "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": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "confirmed" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "condo", "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": "renovation", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "lender_offers": [ "bank-statement", "construction", "dscr", "foreign-national", "heloc", "investor", "itin", "low-credit", "manufactured", "new-construction", "non-qm", "physician", "reverse", "usda", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2012-01-26", "state": "OR" }, "licensed_since": { "year": 2012, "state": "OR" }, "years_experience": null, "lender_profile_url": "https://www.apmortgage.com/lindsay-witter", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: January 26, 2012 (Oregon), per state regulator" ], "canonical_url": "https://lendb.ai/lo/lindsay-witter-700709", "license_check": { "state": "ND", "confidence": "lender_reported", "eligible": true, "label": "ND 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/lindsay-witter" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 4, "score": 43.5, "loan_officer": { "nmls_id": 1025173, "slug": "benjamin-williams-1025173", "full_name": "Benjamin Williams", "licensed_names": [ { "name": "Benjamin Williams", "name_with_middle_initial": "Benjamin A. Williams", "first_name": "Benjamin", "middle_initial": "A", "last_name": "Williams", "states": [ "AR", "CA", "CT", "DE", "FL", "IA", "MA", "MD", "MO", "OR", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-30" } ], "canonical_url": "https://lendb.ai/lo/benjamin-williams-1025173", "json_url": "https://lendb.ai/lo/benjamin-williams-1025173.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": "San Diego", "state": "CA" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/benjamin-williams.jpg", "licensed_states": [ "FL", "CT", "DE", "TX", "AK", "AL", "AR", "AZ", "CA", "CO", "DC", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "ND", "NE", "NH", "NM", "OH", "OK", "OR", "PA", "SD", "TN", "UT", "VA", "VT", "WA", "WI", "WY" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "confirmed" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "CT", "confidence": "confirmed" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "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": "lender_reported" }, { "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": "MS", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "confirmed" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "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": { "date": "2013-06-04", "state": "OR" }, "licensed_since": { "year": 2013, "state": "OR" }, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/ca/sandiego/benjamin-williams-672-elbw.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: June 4, 2013 (Oregon), per state regulator" ], "canonical_url": "https://lendb.ai/lo/benjamin-williams-1025173", "license_check": { "state": "ND", "confidence": "lender_reported", "eligible": true, "label": "ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-19", "source_url": "https://branches.guildmortgage.com/ca/sandiego/benjamin-williams-672-elbw.html" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 5, "score": 42.3, "loan_officer": { "nmls_id": 274181, "slug": "ronald-luttrull-274181", "full_name": "Ron Luttrull", "licensed_names": [ { "name": "Ronald Luttrull", "name_with_middle_initial": "Ronald C. Luttrull", "first_name": "Ronald", "middle_initial": "C", "last_name": "Luttrull", "states": [ "AR", "CA", "CO", "CT", "DE", "FL", "IA", "LA", "MD", "OR", "PA", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-30" }, { "name": "Ronald Luttrull", "name_with_middle_initial": null, "first_name": "Ronald", "middle_initial": null, "last_name": "Luttrull", "states": [ "IL", "WI" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/ronald-luttrull-274181", "json_url": "https://lendb.ai/lo/ronald-luttrull-274181.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": "San Diego", "state": "CA" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/ron-luttrull.jpg", "licensed_states": [ "FL", "CO", "CT", "DE", "LA", "PA", "TX", "AK", "AL", "AR", "AZ", "CA", "DC", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "MD", "ME", "MI", "MN", "MO", "MT", "ND", "NE", "NH", "NM", "NV", "OH", "OK", "OR", "SC", "SD", "TN", "UT", "VA", "VT", "WA", "WI", "WY" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "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": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "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": "MD", "confidence": "confirmed" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NH", "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": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "UT", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "VT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "confirmed" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "first-time-buyer", "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": { "date": "2010-05-19", "state": "CA" }, "licensed_since": { "year": 2010, "state": "CA" }, "years_experience": 20, "lender_profile_url": "https://branches.guildmortgage.com/ca/sandiego/ron-luttrull-672-exrl.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: May 19, 2010 (California), per state regulator", "States 20 years of experience (lender page, 2026-10-19)" ], "canonical_url": "https://lendb.ai/lo/ronald-luttrull-274181", "license_check": { "state": "ND", "confidence": "lender_reported", "eligible": true, "label": "ND listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-19", "source_url": "https://branches.guildmortgage.com/ca/sandiego/ron-luttrull-672-exrl.html" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 6, "score": 40.3, "loan_officer": { "nmls_id": 2730604, "slug": "dylan-rose-2730604", "full_name": "Dylan Rose", "canonical_url": "https://lendb.ai/lo/dylan-rose-2730604", "json_url": "https://lendb.ai/lo/dylan-rose-2730604.json", "lender": { "nmls_id": 718070, "name": "Frandsen Bank & Trust", "slug": "frandsen-bank-trust-718070", "canonical_url": "https://lendb.ai/lender/frandsen-bank-trust-718070", "type": "bank" }, "branch": { "city": "Grand Forks", "state": "ND" }, "headshot_url": "https://www.frandsenbank.com/contentful/images/rk3hwr69vz0r/4neNfW4VKUyAYFKY3g43Z8/6a5ca9a55fd3d41e8172a16639bad983/Dylan_Rose.jpg", "licensed_states": [], "licenses": [], "federal_registration_likely": true, "languages": [], "specialties": [ { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "new-construction", "vacation-home" ], "years_licensed": null, "earliest_license_record": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://www.frandsenbank.com/professionals/dylan-rose", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Grand Forks, ND", "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS" ], "canonical_url": "https://lendb.ai/lo/dylan-rose-2730604", "license_check": { "state": "ND", "confidence": "federal_registration", "eligible": true, "label": "Likely federally registered (works at a bank). 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