{
  "canonical_url": "https://lendb.ai/s/reverse/hawaii",
  "summary": "As of 2026-10-09, LenDb lists 14 loan officers licensed in or based in Hawaii whose lender pages show Reverse mortgage work. The top-ranked are Rick Gerkman (CrossCountry Mortgage, Lake Oswego), Mark James (Guild Mortgage, Honolulu) and Chris Lee (Guild Mortgage, San Diego). Ranking is lender-neutral: specialty evidence first, then a license in HI, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "reverse",
  "state": "HI",
  "total": 14,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 57.8,
      "loan_officer": {
        "nmls_id": 304887,
        "slug": "rick-gerkman-304887",
        "full_name": "Rick Gerkman",
        "canonical_url": "https://lendb.ai/lo/rick-gerkman-304887",
        "json_url": "https://lendb.ai/lo/rick-gerkman-304887.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Lake Oswego",
          "state": "OR"
        },
        "licensed_states": [
          "AZ",
          "CA",
          "HI",
          "ID",
          "OR",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/lake-oswego-or-4318/richard-gerkman/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in HI (listed on lender page, verified 2026-10-09)",
        "25 years experience (stated on lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/rick-gerkman-304887"
    },
    {
      "rank": 2,
      "score": 54.8,
      "loan_officer": {
        "nmls_id": 247356,
        "slug": "mark-james-247356",
        "full_name": "Mark James",
        "canonical_url": "https://lendb.ai/lo/mark-james-247356",
        "json_url": "https://lendb.ai/lo/mark-james-247356.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "Honolulu",
          "state": "HI"
        },
        "licensed_states": [
          "HI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/hi/honolulu/mark-james-734-kumja.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in HI (listed on lender page, verified 2026-10-09)",
        "Branch in Hawaii"
      ],
      "canonical_url": "https://lendb.ai/lo/mark-james-247356"
    },
    {
      "rank": 3,
      "score": 53.8,
      "loan_officer": {
        "nmls_id": 201715,
        "slug": "christopher-lee-201715",
        "full_name": "Chris Lee",
        "canonical_url": "https://lendb.ai/lo/christopher-lee-201715",
        "json_url": "https://lendb.ai/lo/christopher-lee-201715.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "San Diego",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "GA",
          "HI",
          "IL",
          "KY",
          "MA",
          "MT",
          "NC",
          "OR",
          "TX",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": 13,
        "lender_profile_url": "https://branches.guildmortgage.com/ca/sandiego/chris-lee-332-chcle.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in HI (listed on lender page, verified 2026-10-09)",
        "8 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/christopher-lee-201715"
    },
    {
      "rank": 4,
      "score": 52,
      "loan_officer": {
        "nmls_id": 1252398,
        "slug": "leslie-heid-1252398",
        "full_name": "Leslie Heid",
        "canonical_url": "https://lendb.ai/lo/leslie-heid-1252398",
        "json_url": "https://lendb.ai/lo/leslie-heid-1252398.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Newport Beach",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "HI",
          "NM",
          "NV",
          "OR",
          "TX",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 10,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-3833/leslie-heid/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in HI (listed on lender page, verified 2026-10-09)",
        "10 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/leslie-heid-1252398"
    },
    {
      "rank": 5,
      "score": 48.8,
      "loan_officer": {
        "nmls_id": 272696,
        "slug": "lance-doiguchi-272696",
        "full_name": "Lance Doiguchi",
        "canonical_url": "https://lendb.ai/lo/lance-doiguchi-272696",
        "json_url": "https://lendb.ai/lo/lance-doiguchi-272696.json",
        "lender": {
          "nmls_id": 12007,
          "name": "LeaderOne Financial",
          "canonical_url": "https://lendb.ai/lender/leaderone-financial-12007",
          "type": "imb"
        },
        "branch": {
          "city": "Honolulu",
          "state": "HI"
        },
        "licensed_states": [
          "HI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "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": null,
        "lender_profile_url": "https://www.leaderonefinancial.com/mlo/lance-doiguchi",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in HI (listed on lender page, verified 2026-10-09)",
        "Branch in Hawaii"
      ],
      "canonical_url": "https://lendb.ai/lo/lance-doiguchi-272696"
    },
    {
      "rank": 6,
      "score": 48,
      "loan_officer": {
        "nmls_id": 209728,
        "slug": "patrick-ortiz-209728",
        "full_name": "Patrick Ortiz",
        "canonical_url": "https://lendb.ai/lo/patrick-ortiz-209728",
        "json_url": "https://lendb.ai/lo/patrick-ortiz-209728.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Newport Beach",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AR",
          "CA",
          "CO",
          "CT",
          "HI",
          "ID",
          "KS",
          "KY",
          "LA",
          "MT",
          "NM",
          "NV",
          "OH",
          "OR",
          "TN",
          "TX",
          "VA",
          "WA",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 14,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-3851/patrick-ortiz/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in HI (listed on lender page, verified 2026-10-09)",
        "14 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/patrick-ortiz-209728"
    },
    {
      "rank": 7,
      "score": 47.8,
      "loan_officer": {
        "nmls_id": 1614027,
        "slug": "trevor-satkowski-1614027",
        "full_name": "Trevor Satkowski",
        "canonical_url": "https://lendb.ai/lo/trevor-satkowski-1614027",
        "json_url": "https://lendb.ai/lo/trevor-satkowski-1614027.json",
        "lender": {
          "nmls_id": 3274,
          "name": "Guild Mortgage",
          "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274",
          "type": "imb"
        },
        "branch": {
          "city": "San Diego",
          "state": "CA"
        },
        "licensed_states": [
          "AR",
          "AZ",
          "CA",
          "CO",
          "HI",
          "LA",
          "MI",
          "NV",
          "OH",
          "OR",
          "SC",
          "SD",
          "WA",
          "WI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "years_experience": null,
        "lender_profile_url": "https://branches.guildmortgage.com/ca/sandiego/trevor-roe-satkowski-332-chsr.html",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in HI (listed on lender page, verified 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/trevor-satkowski-1614027"
    },
    {
      "rank": 8,
      "score": 45.5,
      "loan_officer": {
        "nmls_id": 1200569,
        "slug": "luca-centrone-1200569",
        "full_name": "Luke Centrone",
        "canonical_url": "https://lendb.ai/lo/luca-centrone-1200569",
        "json_url": "https://lendb.ai/lo/luca-centrone-1200569.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Purchase",
          "state": "NY"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CT",
          "GA",
          "HI",
          "MA",
          "MI",
          "NH",
          "NJ",
          "NY",
          "OR",
          "PA",
          "SC",
          "TN",
          "TX",
          "VA",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 9,
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/purchase-ny-5672/luca-centrone/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in HI (listed on lender page, verified 2026-10-09)",
        "9 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/luca-centrone-1200569"
    },
    {
      "rank": 9,
      "score": 43.3,
      "loan_officer": {
        "nmls_id": 114080,
        "slug": "arthur-buhrer-114080",
        "full_name": "Arthur Buhrer",
        "canonical_url": "https://lendb.ai/lo/arthur-buhrer-114080",
        "json_url": "https://lendb.ai/lo/arthur-buhrer-114080.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Sequim",
          "state": "WA"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AZ",
          "CA",
          "CO",
          "HI",
          "ID",
          "MO",
          "MT",
          "NC",
          "ND",
          "OR",
          "TX",
          "WA"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 3,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/sequim-wa-5532/arthur-buhrer/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in HI (listed on lender page, verified 2026-10-09)",
        "3 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/arthur-buhrer-114080"
    },
    {
      "rank": 10,
      "score": 42.8,
      "loan_officer": {
        "nmls_id": 1043739,
        "slug": "sarena-talbert-1043739",
        "full_name": "Sarena Talbert",
        "canonical_url": "https://lendb.ai/lo/sarena-talbert-1043739",
        "json_url": "https://lendb.ai/lo/sarena-talbert-1043739.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Newport Beach",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DC",
          "DE",
          "GA",
          "HI",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "ND",
          "NE",
          "NH",
          "NJ",
          "NM",
          "NV",
          "NY",
          "OH",
          "OK",
          "OR",
          "PA",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT",
          "VA",
          "VT",
          "WA",
          "WI",
          "WV",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 2,
        "years_experience": 28,
        "lender_profile_url": "https://crosscountrymortgage.com/newport-beach-ca-8067/sarena-talbert/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in HI (listed on lender page, verified 2026-10-09)",
        "2 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/sarena-talbert-1043739"
    },
    {
      "rank": 11,
      "score": 41.8,
      "loan_officer": {
        "nmls_id": 1675909,
        "slug": "evan-souza-1675909",
        "full_name": "Evan Souza",
        "canonical_url": "https://lendb.ai/lo/evan-souza-1675909",
        "json_url": "https://lendb.ai/lo/evan-souza-1675909.json",
        "lender": {
          "nmls_id": 2179191,
          "name": "Xpert Home Lending",
          "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191",
          "type": "broker"
        },
        "branch": {
          "city": "Sacramento",
          "state": "CA"
        },
        "licensed_states": [
          "CA",
          "HI"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "asset-based",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          },
          {
            "slug": "itin",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 8,
        "years_experience": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/evan-souza",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in HI (listed on lender page, verified 2026-10-09)",
        "8 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/evan-souza-1675909"
    },
    {
      "rank": 12,
      "score": 40,
      "loan_officer": {
        "nmls_id": 1734508,
        "slug": "tracy-bolen-1734508",
        "full_name": "Tracy Bolen",
        "canonical_url": "https://lendb.ai/lo/tracy-bolen-1734508",
        "json_url": "https://lendb.ai/lo/tracy-bolen-1734508.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Roseville",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AK",
          "AL",
          "AR",
          "AZ",
          "CA",
          "CO",
          "CT",
          "DC",
          "DE",
          "GA",
          "HI",
          "IA",
          "ID",
          "IL",
          "IN",
          "KS",
          "KY",
          "LA",
          "MA",
          "MD",
          "ME",
          "MI",
          "MN",
          "MO",
          "MS",
          "MT",
          "NC",
          "ND",
          "NE",
          "NH",
          "NJ",
          "NM",
          "NV",
          "OH",
          "OK",
          "OR",
          "PA",
          "PR",
          "RI",
          "SC",
          "SD",
          "TN",
          "TX",
          "UT",
          "VA",
          "VT",
          "WA",
          "WI",
          "WV",
          "WY"
        ],
        "languages": [],
        "specialties": [
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "new-construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 6,
        "years_experience": null,
        "lender_profile_url": "https://www.apmortgage.com/tracy-bolen",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Reverse mortgage on lender page (lender page, verified 2026-10-09)",
        "Licensed in HI (listed on lender page, verified 2026-10-09)",
        "6 years licensed"
      ],
      "canonical_url": "https://lendb.ai/lo/tracy-bolen-1734508"
    },
    {
      "rank": 13,
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