{
  "canonical_url": "https://lendb.ai/s/renovation/arizona",
  "summary": "As of 2026-10-09, LenDb lists 63 loan officers licensed in or based in Arizona whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Michelle Muqtadir (CrossCountry Mortgage, Seattle), Shirley Clough (Newrez, Seattle) and Beverly Liesy (Newrez, Seattle). Ranking is lender-neutral: specialty evidence first, then a license in AZ, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "renovation",
  "state": "AZ",
  "total": 63,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 143470,
        "slug": "michelle-muqtadir-143470",
        "full_name": "Michelle Muqtadir",
        "canonical_url": "https://lendb.ai/lo/michelle-muqtadir-143470",
        "json_url": "https://lendb.ai/lo/michelle-muqtadir-143470.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Seattle",
          "state": "WA"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "HI",
          "ID",
          "NV",
          "OR",
          "TN",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "low-credit",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "licensed_since": {
          "year": 2023,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/seattle-wa-5551/michelle-muqtadir/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2023 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/michelle-muqtadir-143470",
      "license_check": {
        "state": "AZ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/seattle-wa-5551/michelle-muqtadir/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "renovation"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 57.8,
      "loan_officer": {
        "nmls_id": 175716,
        "slug": "shirley-clough-175716",
        "full_name": "Shirley Clough",
        "canonical_url": "https://lendb.ai/lo/shirley-clough-175716",
        "json_url": "https://lendb.ai/lo/shirley-clough-175716.json",
        "lender": {
          "nmls_id": 3013,
          "name": "Newrez",
          "canonical_url": "https://lendb.ai/lender/newrez-3013",
          "type": "imb"
        },
        "branch": {
          "city": "Seattle",
          "state": "WA"
        },
        "licensed_states": [
          "AZ"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 30,
        "lender_profile_url": "https://www.newrez.com/find-loan-officer/shirley-clough/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "States 30 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/shirley-clough-175716",
      "license_check": {
        "state": "AZ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.newrez.com/find-loan-officer/shirley-clough/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "renovation"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 57.8,
      "loan_officer": {
        "nmls_id": 241577,
        "slug": "beverly-liesy-241577",
        "full_name": "Beverly Liesy",
        "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",
          "canonical_url": "https://lendb.ai/lender/newrez-3013",
          "type": "imb"
        },
        "branch": {
          "city": "Seattle",
          "state": "WA"
        },
        "licensed_states": [
          "FL",
          "AZ"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 2,
        "licensed_since": {
          "year": 2024,
          "state": "FL"
        },
        "years_experience": 20,
        "lender_profile_url": "https://www.newrez.com/find-loan-officer/beverly-liesy/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2024 (per Florida records)",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/beverly-liesy-241577",
      "license_check": {
        "state": "AZ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.newrez.com/find-loan-officer/beverly-liesy/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "renovation"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 55.8,
      "loan_officer": {
        "nmls_id": 887608,
        "slug": "evan-luchaco-887608",
        "full_name": "Evan Luchaco",
        "canonical_url": "https://lendb.ai/lo/evan-luchaco-887608",
        "json_url": "https://lendb.ai/lo/evan-luchaco-887608.json",
        "lender": {
          "nmls_id": 1591,
          "name": "Churchill Mortgage",
          "canonical_url": "https://lendb.ai/lender/churchill-mortgage-1591",
          "type": "imb"
        },
        "branch": {
          "city": "Portland",
          "state": "OR"
        },
        "licensed_states": [
          "CO",
          "AK",
          "AZ",
          "CA",
          "IA",
          "ID",
          "MT",
          "NE",
          "OR",
          "TX",
          "WA",
          "WY"
        ],
        "licenses": [
          {
            "state": "AK",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NE",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          },
          {
            "state": "WY",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "licensed_since": {
          "year": 2023,
          "state": "CO"
        },
        "years_experience": 12,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/evan-luchaco",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2023 (per Colorado records)",
        "States 12 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/evan-luchaco-887608",
      "license_check": {
        "state": "AZ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.churchillmortgage.com/loan-officers/evan-luchaco"
      },
      "match_status": "exact",
      "matched_specialties": [
        "renovation"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 387719,
        "slug": "martin-metzdorf-387719",
        "full_name": "Martin Metzdorf",
        "canonical_url": "https://lendb.ai/lo/martin-metzdorf-387719",
        "json_url": "https://lendb.ai/lo/martin-metzdorf-387719.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Gilbert",
          "state": "AZ"
        },
        "licensed_states": [
          "FL",
          "AR",
          "AZ",
          "CA",
          "ID",
          "NJ",
          "OR",
          "TN",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "NJ",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 1,
        "licensed_since": {
          "year": 2025,
          "state": "FL"
        },
        "years_experience": 23,
        "lender_profile_url": "https://crosscountrymortgage.com/gilbert-az-4284/martin-metzdorf/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Office in Gilbert, AZ",
        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2025 (per Florida records)",
        "States 23 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/martin-metzdorf-387719",
      "license_check": {
        "state": "AZ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/gilbert-az-4284/martin-metzdorf/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "renovation"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 453805,
        "slug": "renee-sacco-453805",
        "full_name": "Renee Sacco",
        "canonical_url": "https://lendb.ai/lo/renee-sacco-453805",
        "json_url": "https://lendb.ai/lo/renee-sacco-453805.json",
        "lender": {
          "nmls_id": 2229,
          "name": "Union Home Mortgage",
          "canonical_url": "https://lendb.ai/lender/union-home-mortgage-2229",
          "type": "imb"
        },
        "branch": {
          "city": "Phoenix",
          "state": "AZ"
        },
        "licensed_states": [
          "AZ",
          "CA",
          "IL"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.uhm.com/loan-officers/renee-sacco/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Office in Phoenix, AZ",
        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)"
      ],
      "canonical_url": "https://lendb.ai/lo/renee-sacco-453805",
      "license_check": {
        "state": "AZ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.uhm.com/loan-officers/renee-sacco/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "renovation"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 52.3,
      "loan_officer": {
        "nmls_id": 221065,
        "slug": "adam-miller-221065",
        "full_name": "Adam Miller",
        "canonical_url": "https://lendb.ai/lo/adam-miller-221065",
        "json_url": "https://lendb.ai/lo/adam-miller-221065.json",
        "lender": {
          "nmls_id": 12007,
          "name": "LeaderOne Financial",
          "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007",
          "type": "imb"
        },
        "branch": {
          "city": "Oak Brook",
          "state": "IL"
        },
        "licensed_states": [
          "FL",
          "AR",
          "AZ",
          "CA",
          "IA",
          "IL",
          "IN",
          "KS",
          "MI",
          "MO",
          "MS",
          "TX",
          "WI"
        ],
        "licenses": [
          {
            "state": "AR",
            "confidence": "lender_reported"
          },
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "IL",
            "confidence": "lender_reported"
          },
          {
            "state": "IN",
            "confidence": "lender_reported"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "MS",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WI",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "licensed_since": {
          "year": 2017,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.leaderonefinancial.com/mlo/adam-miller",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2017 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/adam-miller-221065",
      "license_check": {
        "state": "AZ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.leaderonefinancial.com/mlo/adam-miller"
      },
      "match_status": "exact",
      "matched_specialties": [
        "renovation"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 52,
      "loan_officer": {
        "nmls_id": 235295,
        "slug": "ryan-lehrman-235295",
        "full_name": "Ryan Lehrman",
        "canonical_url": "https://lendb.ai/lo/ryan-lehrman-235295",
        "json_url": "https://lendb.ai/lo/ryan-lehrman-235295.json",
        "lender": {
          "nmls_id": 401052,
          "name": "BMO Bank",
          "canonical_url": "https://lendb.ai/lender/bmo-bank-401052",
          "type": "bank"
        },
        "branch": {
          "city": "Scottsdale",
          "state": "AZ"
        },
        "licensed_states": [],
        "licenses": [],
        "federal_registration_likely": true,
        "languages": [
          "en"
        ],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "physician",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://usmortgagebanker.bmo.com/az/scottsdale/rl-235295/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Office in Scottsdale, AZ",
        "Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS",
        "States 20 years of experience (lender page, 2026-10-09)"
      ],
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          "CO",
          "IA",
          "IL",
          "IN",
          "KS",
          "KY",
          "MD",
          "MI",
          "MN",
          "MO",
          "NC",
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          "MO",
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            "state": "OK",
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            "confidence": "lender_reported"
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          {
            "state": "TN",
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            "state": "UT",
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          {
            "state": "VA",
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          {
            "state": "VT",
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          {
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          {
            "state": "TX",
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          {
            "slug": "dscr",
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          "name": "CrossCountry Mortgage",
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          "state": "FL"
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          "AL",
          "AZ",
          "CA",
          "CO",
          "ID",
          "NC",
          "ND",
          "NH",
          "NV",
          "OH",
          "TX",
          "VA"
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            "state": "AZ",
            "confidence": "lender_reported"
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          {
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            "confidence": "lender_reported"
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            "confidence": "lender_reported"
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          "IL",
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            "state": "CA",
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            "state": "TX",
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          "CA",
          "DC",
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        "source_url": "https://crosscountrymortgage.com/orlando-fl-3976/nathan-fitzgerald/"
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        "licensed_states": [
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          "MN",
          "NV",
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          "WA"
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          {
            "state": "MN",
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        "years_licensed": 8,
        "licensed_since": {
          "year": 2018,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.churchillmortgage.com/loan-officers/tim-powell",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2018 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/timothy-powell-136749",
      "license_check": {
        "state": "AZ",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.churchillmortgage.com/loan-officers/tim-powell"
      },
      "match_status": "exact",
      "matched_specialties": [
        "renovation"
      ],
      "unconfirmed_specialties": []
    }
  ]
}