{ "canonical_url": "https://lendb.ai/s/refinance/washington", "summary": "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.", "specialty": "refinance", "state": "WA", "total": 212, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 61, "loan_officer": { "nmls_id": 112619, "slug": "ron-hanson-112619", "full_name": "Ron Hanson", "canonical_url": "https://lendb.ai/lo/ron-hanson-112619", "json_url": "https://lendb.ai/lo/ron-hanson-112619.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": "Tumwater", "state": "WA" }, "headshot_url": "https://www.guildmortgage.com/lib/uploads/officers/profile-photos/ron-hanson.jpg", "licensed_states": [ "WA" ], "licenses": [ { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "va", "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", "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": 20, "lender_profile_url": "https://branches.guildmortgage.com/wa/tumwater/ron-hanson-482-oyrh.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "Office in Tumwater, WA", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 20 years of experience (lender page, 2026-10-20)" ], "canonical_url": "https://lendb.ai/lo/ron-hanson-112619", "license_check": { "state": "WA", "confidence": "lender_reported", "eligible": true, "label": "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://branches.guildmortgage.com/wa/tumwater/ron-hanson-482-oyrh.html" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 2, "score": 60.3, "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)", "Office in Kennewick, WA", "WA 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": "WA", "confidence": "lender_reported", "eligible": true, "label": "WA 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": 3, "score": 59, "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)", "WA 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": "WA", "confidence": "lender_reported", "eligible": true, "label": "WA 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": 4, "score": 59, "loan_officer": { "nmls_id": 1781568, "slug": "joe-villarreal-1781568", "full_name": "Joe Villarreal", "licensed_names": [ { "name": "Joseph Villarreal", "name_with_middle_initial": "Joseph R. Villarreal", "first_name": "Joseph", "middle_initial": "R", "last_name": "Villarreal", "states": [ "OR" ], "source": "state_regulator", "as_of": "2026-06-30" } ], "canonical_url": "https://lendb.ai/lo/joe-villarreal-1781568", "json_url": "https://lendb.ai/lo/joe-villarreal-1781568.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": "Camas", "state": "WA" }, "headshot_url": "https://di1v4rx98wr59.cloudfront.net/0a4e3d21ffa3b/0869b145c6e2c8fa6cc3e3e5c73141e5f3445804.png", "licensed_states": [ "OR", "WA" ], "licenses": [ { "state": "OR", "confidence": "confirmed" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "fha", "heloc", "jumbo", "non-qm", "reverse", "usda", "va" ], "years_licensed": null, "earliest_license_record": { "date": "2018-10-10", "state": "OR" }, "licensed_since": { "year": 2018, "state": "OR" }, "years_experience": null, "lender_profile_url": "https://www.barrettfinancial.com/joev", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Office in Camas, WA", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: October 10, 2018 (Oregon), per state regulator" ], "canonical_url": "https://lendb.ai/lo/joe-villarreal-1781568", "license_check": { "state": "WA", "confidence": "lender_reported", "eligible": true, "label": "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://www.barrettfinancial.com/joev" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 5, "score": 58, "loan_officer": { "nmls_id": 157213, "slug": "rimma-israyelyan-157213", "full_name": "Rimma Israyelyan", "canonical_url": "https://lendb.ai/lo/rimma-israyelyan-157213", "json_url": "https://lendb.ai/lo/rimma-israyelyan-157213.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": "Bellevue", "state": "WA" }, "headshot_url": null, "licensed_states": [ "WA" ], "licenses": [ { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "hy", "ru", "tr" ], "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": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "bank-statement", "construction", "down-payment-assistance", "dscr", "foreign-national", "heloc", "investor", "itin", "low-credit", "manufactured", "new-construction", "non-qm", "physician", "renovation", "reverse", "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/rimma-israyelyan", "disciplinary_check": "not_checked" }, "reasons": [ "Focus: Refinance (from their own specialty list on their lender page, verified 2026-10-20)", "Office in Bellevue, WA", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/rimma-israyelyan-157213", "license_check": { "state": "WA", "confidence": "lender_reported", "eligible": true, "label": "WA 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/rimma-israyelyan" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 6, "score": 57, "loan_officer": { "nmls_id": 583000, "slug": "gail-bean-583000", "full_name": "Gail Bean", "licensed_names": [ { "name": "Gail Bean", "name_with_middle_initial": "Gail K. Bean", "first_name": "Gail", "middle_initial": "K", "last_name": "Bean", "states": [ "CA", "OR" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/gail-bean-583000", "json_url": "https://lendb.ai/lo/gail-bean-583000.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": "Mill Creek", "state": "WA" }, "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/gail-bean.jpg", "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": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "heloc", "investor", "low-credit", "new-construction", "reverse", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2020-05-14", "state": "OR" }, "licensed_since": { "year": 2020, "state": "OR" }, "years_experience": 25, "lender_profile_url": "https://www.cmghomeloans.com/mysite/gail-bean", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Office in Mill Creek, WA", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: May 14, 2020 (Oregon), per state regulator", "States 25 years of experience (lender page, 2026-10-11)" ], "canonical_url": "https://lendb.ai/lo/gail-bean-583000", "license_check": { "state": "WA", "confidence": "lender_reported", "eligible": true, "label": "WA 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/gail-bean" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 7, "score": 54.5, "loan_officer": { "nmls_id": 227298, "slug": "harold-perkins-227298", "full_name": "Harold Perkins", "licensed_names": [ { "name": "Harold Perkins", "name_with_middle_initial": "Harold A. Perkins", "first_name": "Harold", "middle_initial": "A", "last_name": "Perkins", "states": [ "CA", "OR", "TX" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/harold-perkins-227298", "json_url": "https://lendb.ai/lo/harold-perkins-227298.json", "lender": { "nmls_id": 142766, "name": "Galaxy Lending Group LLC", "slug": "galaxy-lending-group-llc-142766", "canonical_url": "https://lendb.ai/lender/galaxy-lending-group-llc-142766", "type": "other" }, "branch": { "city": null, "state": null }, "headshot_url": "https://galaxylendinggroup.com/clients/25839/uploads/2025/08/Harold-for-Website.jpg", "licensed_states": [ "TX", "OR", "WA" ], "licenses": [ { "state": "OR", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [], "years_licensed": null, "earliest_license_record": { "date": "2016-05-31", "state": "OR" }, "licensed_since": { "year": 2016, "state": "OR" }, "years_experience": 20, "lender_profile_url": "https://galaxylendinggroup.com/team-member/harold-perkins/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-22)", "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: May 31, 2016 (Oregon), per state regulator", "States 20 years of experience (lender page, 2026-10-22)" ], "canonical_url": "https://lendb.ai/lo/harold-perkins-227298", "license_check": { "state": "WA", "confidence": "lender_reported", "eligible": true, "label": "WA listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-22", "source_url": "https://galaxylendinggroup.com/team-member/harold-perkins/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 8, "score": 54.5, "loan_officer": { "nmls_id": 265867, "slug": "jennifer-buckholz-265867", "full_name": "Jennifer Buckholz", "licensed_names": [ { "name": "Jennifer Buckholz", "name_with_middle_initial": "Jennifer A. Buckholz", "first_name": "Jennifer", "middle_initial": "A", "last_name": "Buckholz", "states": [ "AR", "CA", "CO", "FL", "IA", "LA", "OR", "PA", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/jennifer-buckholz-265867", "json_url": "https://lendb.ai/lo/jennifer-buckholz-265867.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": "Federal Way", "state": "WA" }, "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_452_Jennifer_Buckholz", "licensed_states": [ "FL", "CO", "PA", "TX", "LA", "AK", "AZ", "CA", "GA", "IA", "ID", "IL", "IN", "KS", "KY", "ME", "MO", "MT", "NC", "NJ", "NV", "OR", "SC", "TN", "VA", "WA", "WY", "AR" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AR", "confidence": "confirmed" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "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": "ME", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "down-payment-assistance", "fha", "heloc", "investor", "jumbo", "low-credit", "new-construction", "renovation", "reverse", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2011-07-26", "state": "OR" }, "licensed_since": { "year": 2011, "state": "OR" }, "years_experience": null, "lender_profile_url": "https://www.cmghomeloans.com/mysite/jennifer-a-buckholz", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "Office in Federal Way, WA", "WA listed on their lender page (not yet checked with the state regulator; 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