{
  "canonical_url": "https://lendb.ai/s/renovation/washington",
  "summary": "As of 2026-10-09, LenDb lists 80 loan officers licensed in or based in Washington whose lender pages show Renovation loan (203k / HomeStyle) work. The top-ranked are Shelley Covington (Intercap Lending, Kirkland), Pamela Valadez (American Pacific Mortgage, Everett) and Kevin Hassan (American Pacific Mortgage, Everett). Ranking is lender-neutral: specialty evidence first, then a license in WA, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "renovation",
  "state": "WA",
  "total": 80,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 58.8,
      "loan_officer": {
        "nmls_id": 102076,
        "slug": "shelley-covington-102076",
        "full_name": "Shelley Covington",
        "canonical_url": "https://lendb.ai/lo/shelley-covington-102076",
        "json_url": "https://lendb.ai/lo/shelley-covington-102076.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Kirkland",
          "state": "WA"
        },
        "licensed_states": [
          "AZ",
          "OR",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "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": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 25,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/shelley-covington/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "Branch in Washington",
        "25 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/shelley-covington-102076"
    },
    {
      "rank": 2,
      "score": 58,
      "loan_officer": {
        "nmls_id": 74006,
        "slug": "pamela-valadez-74006",
        "full_name": "Pamela Valadez",
        "canonical_url": "https://lendb.ai/lo/pamela-valadez-74006",
        "json_url": "https://lendb.ai/lo/pamela-valadez-74006.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Everett",
          "state": "WA"
        },
        "licensed_states": [
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "manufactured",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "rural",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://www.apmortgage.com/pamela-valadez",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "Branch in Washington",
        "20 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/pamela-valadez-74006"
    },
    {
      "rank": 3,
      "score": 58,
      "loan_officer": {
        "nmls_id": 674086,
        "slug": "kevin-hassan-674086",
        "full_name": "Kevin Hassan",
        "canonical_url": "https://lendb.ai/lo/kevin-hassan-674086",
        "json_url": "https://lendb.ai/lo/kevin-hassan-674086.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Everett",
          "state": "WA"
        },
        "licensed_states": [
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 25,
        "lender_profile_url": "https://www.apmortgage.com/kevin-hassan",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "Branch in Washington",
        "25 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/kevin-hassan-674086"
    },
    {
      "rank": 4,
      "score": 57.8,
      "loan_officer": {
        "nmls_id": 220837,
        "slug": "bill-clark-220837",
        "full_name": "Bill Clark",
        "canonical_url": "https://lendb.ai/lo/bill-clark-220837",
        "json_url": "https://lendb.ai/lo/bill-clark-220837.json",
        "lender": {
          "nmls_id": 2289,
          "name": "Fairway Independent Mortgage Corporation",
          "canonical_url": "https://lendb.ai/lender/fairway-independent-mortgage-2289",
          "type": "imb"
        },
        "branch": {
          "city": "Clackamas",
          "state": "OR"
        },
        "licensed_states": [
          "OR",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 27,
        "lender_profile_url": "https://www.fairway.com/lo/bill-clark-220837",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "27 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/bill-clark-220837"
    },
    {
      "rank": 5,
      "score": 56.3,
      "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"
        ],
        "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,
        "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)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "Branch in Washington",
        "3 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/michelle-muqtadir-143470"
    },
    {
      "rank": 6,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 344768,
        "slug": "heidi-green-344768",
        "full_name": "Heidi Green",
        "canonical_url": "https://lendb.ai/lo/heidi-green-344768",
        "json_url": "https://lendb.ai/lo/heidi-green-344768.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": [
          "AZ",
          "CA",
          "ID",
          "OR",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/seattle-wa-5553/heidi-green/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "Branch in Washington",
        "20 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/heidi-green-344768"
    },
    {
      "rank": 7,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 505247,
        "slug": "debra-montgomery-505247",
        "full_name": "Debra Montgomery",
        "canonical_url": "https://lendb.ai/lo/debra-montgomery-505247",
        "json_url": "https://lendb.ai/lo/debra-montgomery-505247.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": [
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 23,
        "lender_profile_url": "https://crosscountrymortgage.com/seattle-wa-5567/debra-montgomery/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "Branch in Washington",
        "23 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/debra-montgomery-505247"
    },
    {
      "rank": 8,
      "score": 52.8,
      "loan_officer": {
        "nmls_id": 533656,
        "slug": "sandra-lutz-533656",
        "full_name": "Sandee Lutz",
        "canonical_url": "https://lendb.ai/lo/sandra-lutz-533656",
        "json_url": "https://lendb.ai/lo/sandra-lutz-533656.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Romeo",
          "state": "MI"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "CA",
          "CO",
          "CT",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "ME",
          "MI",
          "MN",
          "MO",
          "MT",
          "ND",
          "OH",
          "OK",
          "OR",
          "SD",
          "TN",
          "VA",
          "WA",
          "WI",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/romeo-mi-3209/sandra-lutz/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "6 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/sandra-lutz-533656"
    },
    {
      "rank": 9,
      "score": 52.3,
      "loan_officer": {
        "nmls_id": 277718,
        "slug": "greg-wilcox-277718",
        "full_name": "Greg Wilcox",
        "canonical_url": "https://lendb.ai/lo/greg-wilcox-277718",
        "json_url": "https://lendb.ai/lo/greg-wilcox-277718.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "CA",
          "ID",
          "OR",
          "TX",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 26,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/greg-wilcox-277718",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "26 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/greg-wilcox-277718"
    },
    {
      "rank": 10,
      "score": 50.6,
      "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": [
          "AK",
          "AZ",
          "CA",
          "CO",
          "IA",
          "ID",
          "MT",
          "NE",
          "OR",
          "TX",
          "WA",
          "WY"
        ],
        "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": null,
        "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)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "12 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/evan-luchaco-887608"
    },
    {
      "rank": 11,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 55604,
        "slug": "don-r-oneida-55604",
        "full_name": "Don R. Oneida",
        "canonical_url": "https://lendb.ai/lo/don-r-oneida-55604",
        "json_url": "https://lendb.ai/lo/don-r-oneida-55604.json",
        "lender": {
          "nmls_id": 320841,
          "name": "Loan Factory",
          "canonical_url": "https://lendb.ai/lender/loan-factory-320841",
          "type": "broker"
        },
        "branch": {
          "city": "Ferndale",
          "state": "WA"
        },
        "licensed_states": [
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "recent-credit-event",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 24,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/don-r-oneida-55604",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "Branch in Washington",
        "24 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/don-r-oneida-55604"
    },
    {
      "rank": 12,
      "score": 49.8,
      "loan_officer": {
        "nmls_id": 2760701,
        "slug": "fabiano-goncalves-da-costa-olmo-2760701",
        "full_name": "Fabiano Olmo",
        "canonical_url": "https://lendb.ai/lo/fabiano-goncalves-da-costa-olmo-2760701",
        "json_url": "https://lendb.ai/lo/fabiano-goncalves-da-costa-olmo-2760701.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Cleveland",
          "state": "OH"
        },
        "licensed_states": [
          "FL",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "GA",
          "IA",
          "ID",
          "IL",
          "IN",
          "MD",
          "MI",
          "MN",
          "MS",
          "ND",
          "NE",
          "NH",
          "OH",
          "OK",
          "OR",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 0,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/cleveland-oh-2131/fabiano-goncalves-da-costa-olmo/",
        "disciplinary_check": "not_checked"
      },
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        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
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          "state": "WA"
        },
        "licensed_states": [
          "AZ",
          "CA",
          "CO",
          "MT",
          "OR",
          "PA",
          "TN",
          "TX",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/seattle-wa-5531/stephanie-maulding/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Renovation loan (203k / HomeStyle) on lender page (lender page, verified 2026-10-09)",
        "Licensed in WA (listed on lender page, verified 2026-10-09)",
        "Branch in Washington"
      ],
      "canonical_url": "https://lendb.ai/lo/stephanie-maulding-183546"
    }
  ]
}