{ "canonical_url": "https://lendb.ai/s/refinance/oregon", "summary": "As of 2026-10-26, LenDb lists 43 loan officers licensed in or based in Oregon whose lender pages show Refinance work. The top-ranked are Nick Carter (Directors Mortgage, Eugene), Summer Freeman (Mortgage Marketplace LLC, Eugene) and Elena Connelly (Guild Mortgage, Eugene). Ranking is lender-neutral: specialty evidence first, then a license in OR, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "refinance", "state": "OR", "total": 43, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 66, "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)", "Office in Eugene, OR", "Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20", "Earliest state license record: July 31, 2010 (Oregon), per state regulator" ], "canonical_url": "https://lendb.ai/lo/nick-carter-200547", "license_check": { "state": "OR", "confidence": "confirmed", "eligible": true, "label": "Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20", "verified_at": "2026-10-20", "source_url": "https://dfr.oregon.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 2, "score": 64.5, "loan_officer": { "nmls_id": 360504, "slug": "summer-freeman-360504", "full_name": "Summer Freeman", "licensed_names": [ { "name": "Summer Freeman", "name_with_middle_initial": "Summer L. Freeman", "first_name": "Summer", "middle_initial": "L", "last_name": "Freeman", "states": [ "CA", "OR" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/summer-freeman-360504", "json_url": "https://lendb.ai/lo/summer-freeman-360504.json", "lender": { "nmls_id": 2367229, "name": "Mortgage Marketplace LLC", "slug": "mortgage-marketplace-llc-2367229", "canonical_url": "https://lendb.ai/lender/mortgage-marketplace-llc-2367229", "type": "other" }, "branch": { "city": "Eugene", "state": "OR" }, "headshot_url": "https://mortgagemarketplace.loans/wp-content/uploads/2026/09/summer-freeman-mortgage-marketplace-headshot-image.webp", "licensed_states": [ "OR", "CA" ], "licenses": [ { "state": "CA", "confidence": "confirmed" }, { "state": "OR", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "reverse", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2013-05-08", "state": "CA" }, "licensed_since": { "year": 2013, "state": "CA" }, "years_experience": 28, "lender_profile_url": "https://mortgagemarketplace.loans/team-member/summer-freeman/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-22)", "Office in Eugene, OR", "Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20", "Earliest state license record: May 8, 2013 (California), per state regulator", "States 28 years of experience (lender page, 2026-10-22)" ], "canonical_url": "https://lendb.ai/lo/summer-freeman-360504", "license_check": { "state": "OR", "confidence": "confirmed", "eligible": true, "label": "Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20", "verified_at": "2026-10-20", "source_url": "https://dfr.oregon.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 3, "score": 64, "loan_officer": { "nmls_id": 270853, "slug": "elena-connelly-270853", "full_name": "Elena Connelly", "licensed_names": [ { "name": "Elena Connelly", "name_with_middle_initial": "Elena L. Connelly", "first_name": "Elena", "middle_initial": "L", "last_name": "Connelly", "states": [ "OR" ], "source": "state_regulator", "as_of": "2026-06-30" } ], "canonical_url": "https://lendb.ai/lo/elena-connelly-270853", "json_url": "https://lendb.ai/lo/elena-connelly-270853.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": "Eugene", "state": "OR" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/euec-elena-connelly.jpg", "licensed_states": [ "OR" ], "licenses": [ { "state": "OR", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "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": { "date": "2010-07-31", "state": "OR" }, "licensed_since": { "year": 2010, "state": "OR" }, "years_experience": 25, "lender_profile_url": "https://branches.guildmortgage.com/or/eugene/elena-connelly-198-euec.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Eugene, OR", "Licensed in OR: confirmed with the Oregon regulator (license 270853), verified 2026-10-20", "Earliest state license record: July 31, 2010 (Oregon), per state regulator", "States 25 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/elena-connelly-270853", "license_check": { "state": "OR", "confidence": "confirmed", "eligible": true, "label": "Licensed in OR: confirmed with the Oregon regulator (license 270853), verified 2026-10-20", "verified_at": "2026-10-20", "source_url": "https://dfr.oregon.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 4, "score": 62.5, "loan_officer": { "nmls_id": 410338, "slug": "kimberly-shuey-410338", "full_name": "Kim Shuey", "licensed_names": [ { "name": "Kimberly Shuey", "name_with_middle_initial": "Kimberly A. Shuey", "first_name": "Kimberly", "middle_initial": "A", "last_name": "Shuey", "states": [ "AR", "CA", "CO", "CT", "DE", "FL", "IA", "MA", "MD", "MO", "OR", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-30" }, { "name": "Kimberly Shuey", "name_with_middle_initial": null, "first_name": "Kimberly", "middle_initial": null, "last_name": "Shuey", "states": [ "IL", "WI" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/kimberly-shuey-410338", "json_url": "https://lendb.ai/lo/kimberly-shuey-410338.json", "lender": { "nmls_id": 1025894, "name": "Mutual of Omaha Mortgage", "slug": "mutual-of-omaha-mortgage-1025894", "canonical_url": "https://lendb.ai/lender/mutual-of-omaha-mortgage-1025894", "type": "imb" }, "branch": { "city": "Overland Park", "state": "KS" }, "headshot_url": "https://www.mutualmortgage.com/wp-content/uploads/2026/04/Kim-Shuey.jpeg", "licensed_states": [ "FL", "CO", "TX", "CT", "DE", "MO", "AR", "IA", "OR", "WI", "CA", "MA", "MD", "WY", "IL" ], "licenses": [ { "state": "AR", "confidence": "confirmed" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "confirmed" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "IA", "confidence": "confirmed" }, { "state": "IL", "confidence": "confirmed" }, { "state": "MA", "confidence": "confirmed" }, { "state": "MD", "confidence": "confirmed" }, { "state": "MO", "confidence": "confirmed" }, { "state": "OR", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" }, { "state": "WI", "confidence": "confirmed" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "construction", "down-payment-assistance", "dscr", "heloc", "investor", "renovation", "usda", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2011-07-22", "state": "TX" }, "licensed_since": { "year": 2011, "state": "TX" }, "years_experience": 20, "lender_profile_url": "https://www.mutualmortgage.com/loan-officer/kshuey/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20", "Earliest state license record: July 22, 2011 (Texas), per state regulator", "States 20 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/kimberly-shuey-410338", "license_check": { "state": "OR", "confidence": "confirmed", "eligible": true, "label": "Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20", "verified_at": "2026-10-20", "source_url": "https://dfr.oregon.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 5, "score": 62, "loan_officer": { "nmls_id": 241577, "slug": "beverly-liesy-241577", "full_name": "Beverly Liesy", "licensed_names": [ { "name": "Beverly Liesy", "name_with_middle_initial": "Beverly L. Liesy", "first_name": "Beverly", "middle_initial": "L", "last_name": "Liesy", "states": [ "CA", "FL", "OR", "TX" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/beverly-liesy-241577", "json_url": "https://lendb.ai/lo/beverly-liesy-241577.json", "lender": { "nmls_id": 3013, "name": "Newrez", "slug": "newrez-3013", "canonical_url": "https://lendb.ai/lender/newrez-3013", "type": "imb" }, "branch": { "city": "Seattle", "state": "WA" }, "headshot_url": "https://caliberamp.dmplocal.com/files/form_images/d2/9f/4e/5906/0.12677200_1588793679-test.jpg", "licensed_states": [ "FL", "TX", "OR", "CA", "AZ" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "OR", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "new-construction", "evidence": "lender_page_text" }, { "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": { "date": "2019-04-30", "state": "OR" }, "licensed_since": { "year": 2019, "state": "OR" }, "years_experience": 20, "lender_profile_url": "https://www.newrez.com/find-loan-officer/beverly-liesy/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Licensed in OR: confirmed with the Oregon regulator (license 241577), verified 2026-10-20", "Earliest state license record: April 30, 2019 (Oregon), per state regulator", "States 20 years of experience (lender page, 2026-10-26)" ], "canonical_url": "https://lendb.ai/lo/beverly-liesy-241577", "license_check": { "state": "OR", "confidence": "confirmed", "eligible": true, "label": "Licensed in OR: confirmed with the Oregon regulator (license 241577), verified 2026-10-20", "verified_at": "2026-10-20", "source_url": "https://dfr.oregon.gov/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 6, "score": 61.3, "loan_officer": { "nmls_id": 57734, "slug": "denise-montgomery-57734", "full_name": "Denise Cuddeback Montgomery", "canonical_url": "https://lendb.ai/lo/denise-montgomery-57734", "json_url": "https://lendb.ai/lo/denise-montgomery-57734.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": "Eugene", "state": "OR" }, "headshot_url": null, "licensed_states": [ "FL", "CO", "TX", "AZ", "CA", "ID", "MN", "MT", "OR", "WA", "WY" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "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": "jumbo", "evidence": "lender_page_text" }, { "slug": "manufactured", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "renovation", "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": [ "construction", "foreign-national", "heloc", "itin", "low-credit", "new-construction", "non-qm", "physician", "reverse", "vacation-home" ], "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.apmortgage.com/denise-montgomery", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Office in Eugene, OR", "Licensed in OR: confirmed with the Oregon regulator, verified 2026-10-20", "Earliest 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