Borrower situations · Washington

Loan officers for homeowners who are refinancing in Washington

As of 2026-10-26, LenDb lists 212 loan officers licensed in or based in Washington whose lender pages show Refinance work. The top-ranked are Ron Hanson (Guild Mortgage, Tumwater), Samantha Lindley (American Pacific Mortgage, Kennewick) and Kathleen Spicuzza (CrossCountry Mortgage, Las Vegas). Ranking is lender-neutral: specialty evidence first, then a license in WA, branch location, experience and profile completeness. Nobody pays for placement.

Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.

Ranked, with reasons · top 25

  1. 1

    Ron HansonNMLS 112619

    Guild Mortgage · Tumwater, WA

    • Refinance
    • VA loan
    • WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-26)
    • Office in Tumwater, WA
    • States 20 years of experience (lender page, 2026-10-20)
  2. 2

    Samantha LindleyNMLS 1210610

    American Pacific Mortgage · Kennewick, WA · licensed in 5 states

    • Refinance
    • Jumbo loan
    • Manufactured home
    • New construction
    • WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-20)
    • Office in Kennewick, WA
    • Earliest state license record: September 11, 2014 (Oregon), per state regulator
    • States 9 years of experience (lender page, 2026-10-20)
  3. 3

    Kathleen SpicuzzaNMLS 865895

    CrossCountry Mortgage · Las Vegas, NV · licensed in 6 states

    • Refinance
    • Reverse mortgage
    • VA loan
    • WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-22)
    • Earliest state license record: September 18, 2019 (California), per state regulator
    • States 20 years of experience (lender page, 2026-10-22)
  4. 4

    Joe VillarrealNMLS 1781568

    Barrett Financial Group · Mortgage broker · Camas, WA · licensed in 2 states

    • Refinance
    • First-time buyer
    • WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-20)
    • Office in Camas, WA
    • Earliest state license record: October 10, 2018 (Oregon), per state regulator
  5. 5

    Rimma IsrayelyanNMLS 157213

    American Pacific Mortgage · Bellevue, WA

    • Refinance
    • FHA loan
    • First-time buyer
    • Jumbo loan
    • WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Focus: Refinance (from their own specialty list on their lender page, verified 2026-10-20)
    • Office in Bellevue, WA
  6. 6

    Gail BeanNMLS 583000

    CMG Home Loans · Mill Creek, WA · licensed in 5 states

    • Refinance
    • First-time buyer
    • Jumbo loan
    • Renovation loan (203k / HomeStyle)
    • WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-20)
    • Office in Mill Creek, WA
    • Earliest state license record: May 14, 2020 (Oregon), per state regulator
    • States 25 years of experience (lender page, 2026-10-11)
  7. 7

    Harold PerkinsNMLS 227298

    Galaxy Lending Group LLC · licensed in 3 states

    • Refinance
    • WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-22)
    • Earliest state license record: May 31, 2016 (Oregon), per state regulator
    • States 20 years of experience (lender page, 2026-10-22)
  8. 8

    Jennifer BuckholzNMLS 265867

    CMG Home Loans · Federal Way, WA · licensed in 28 states

    • Refinance
    • First-time buyer
    • WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-20)
    • Office in Federal Way, WA
    • Earliest state license record: July 26, 2011 (Oregon), per state regulator
  9. 9

    Julie Ann JacksonNMLS 108829

    CMG Home Loans · Oak Harbor, WA · licensed in 9 states

    • Refinance
    • Renovation loan (203k / HomeStyle)
    • WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-20)
    • Office in Oak Harbor, WA
  10. 10

    Nick CarterNMLS 200547

    Directors Mortgage · Eugene, OR · licensed in 8 states

    • Refinance
    • Real estate investor
    • Vacation home
    • WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-21)
    • Earliest state license record: July 31, 2010 (Oregon), per state regulator
  11. 11

    Nadia RaknaiNMLS 484350

    CrossCountry Mortgage · Seattle, WA · licensed in 5 states

    • Refinance
    • Down payment assistance
    • Jumbo loan
    • Non-QM loan
    • WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-26)
    • Office in Seattle, WA
    • Earliest state license record: May 23, 2025 (Florida), per state regulator
    • States 28 years of experience (lender page, 2026-10-26)
  12. 12

    James ConleyNMLS 2026522

    CrossCountry Mortgage · Columbia, MD · licensed in 13 states

    • Refinance
    • FHA loan
    • First-time buyer
    • WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-26)
    • Earliest state license record: August 3, 2022 (Wisconsin), per state regulator
    • States 6 years of experience (lender page, 2026-10-26)
  13. 13

    Mike SchusterNMLS 1980879

    CrossCountry Mortgage · Columbia, MD · licensed in 22 states

    • Refinance
    • FHA loan
    • VA loan
    • First-time buyer
    • WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-26)
    • Earliest state license record: April 26, 2021 (Illinois), per state regulator
  14. 14

    Eric RasoNMLS 457108

    CMG Home Loans · Tempe, AZ · licensed in 40 states

    • Refinance
    • 2 to 4 unit property
    • Low credit score
    • Non-QM loan
    • WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-20)
    • Earliest state license record: August 27, 2014 (Colorado), per state regulator
    • States 20 years of experience (lender page, 2026-10-20)
  15. 15

    DJ JoyceNMLS 2540027

    CrossCountry Mortgage · Cleveland, OH · licensed in 12 states

    • Refinance
    • FHA loan
    • First-time buyer
    • HELOC
    • WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-26)
    • Earliest state license record: December 21, 2023 (Oregon), per state regulator
  16. 16

    Evan JansenNMLS 128384

    Summit Mortgage Corporation · Lakewood, CO · licensed in 9 states

    • Refinance
    • Down payment assistance
    • FHA loan
    • Jumbo loan
    • WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-26)
    • Earliest state license record: July 29, 2008 (Wisconsin), per state regulator
  17. 17

    Devin HarrisNMLS 2848186

    Lower · Columbus, OH · licensed in 7 states

    • Refinance
    • WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Focus: Refinance (from their bio on their lender page, verified 2026-10-21)
    • Earliest state license record: August 5, 2026 (California), per state regulator
  18. 18

    Denise Cuddeback MontgomeryNMLS 57734

    American Pacific Mortgage · Eugene, OR · licensed in 11 states

    • Refinance
    • Bank statement loan
    • Down payment assistance
    • DSCR loan
    • WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-20)
    • Earliest state license record: July 31, 2010 (Oregon), per state regulator
  19. 19

    Nicholas Charles PagniniNMLS 1911943

    Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 10 states

    • Refinance
    • WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-20)
    • Earliest state license record: February 14, 2020 (California), per state regulator
  20. 20

    Lindsay WitterNMLS 700709

    American Pacific Mortgage · Roseville, CA · licensed in 39 states

    • Refinance
    • Condo
    • Down payment assistance
    • FHA loan
    • WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-20)
    • Earliest state license record: January 26, 2012 (Oregon), per state regulator
  21. 21

    Steve BloomNMLS 130998

    A & N Mortgage Services, Inc. · Chicago, IL · licensed in 9 states

    • Refinance
    • Real estate investor
    • WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-21)
    • Earliest state license record: October 10, 2006 (Illinois), per state regulator
  22. 22

    Carmel PerezNMLS 1933170

    CrossCountry Mortgage · Kennewick, WA · licensed in 2 states

    • Refinance
    • Bank statement loan
    • ITIN borrower
    • First-time buyer
    • WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-21)
    • Office in Kennewick, WA
    • Earliest state license record: May 17, 2022 (Oregon), per state regulator
  23. 23

    Ashley OrtegaNMLS 238561

    CMG Home Loans · Coronado, CA · licensed in 11 states

    • Refinance
    • HELOC
    • Jumbo loan
    • FHA loan
    • WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-20)
    • Earliest state license record: July 17, 2012 (California), per state regulator
  24. 24

    Benjamin WilliamsNMLS 1025173

    Guild Mortgage · San Diego, CA · licensed in 45 states

    • Refinance
    • WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-26)
    • Earliest state license record: June 4, 2013 (Oregon), per state regulator
  25. 25

    Mike GillettNMLS 362285

    Mortgage Marketplace LLC · Salem, OR · licensed in 7 states

    • Refinance
    • First-time buyer
    • DSCR loan
    • FHA loan
    • WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Refinance on lender page (lender page, verified 2026-10-22)
    • Earliest state license record: July 27, 2015 (California), per state regulator
    • States 30 years of experience (lender page, 2026-10-22)

Before you choose

Whether a refinance pays off depends on closing costs, how long you keep the loan and the new rate; cash-out and buyout refinances have their own equity, seasoning and title rules.

  • What are my total closing costs, and how many months until the lower payment pays them back?
  • Can I take cash out, and how much equity do I need to keep?
  • If I am buying out a former spouse or co-owner, what does the divorce decree or agreement need to say?

More about Refinance

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a WA license is confirmed with the state regulator (check mark), WA is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (the earliest state license record in the regulator rosters we hold, or years the loan officer states) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=refinance&state=WA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.