{ "canonical_url": "https://lendb.ai/s/self-employed/idaho", "summary": "As of 2026-10-09, LenDb lists 16 loan officers licensed in or based in Idaho whose lender pages show Self-employed work. The top-ranked are Raena Pinchuk (CrossCountry Mortgage, Coeur d'Alene), Andrew Watson (CrossCountry Mortgage, Coeur d'Alene) and Joe Soto (CrossCountry Mortgage, Cypress). Ranking is lender-neutral: specialty evidence first, then a license in ID, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "self-employed", "state": "ID", "total": 16, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 61.3, "loan_officer": { "nmls_id": 1488388, "slug": "raena-pinchuk-1488388", "full_name": "Raena Pinchuk", "canonical_url": "https://lendb.ai/lo/raena-pinchuk-1488388", "json_url": "https://lendb.ai/lo/raena-pinchuk-1488388.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Coeur d'Alene", "state": "ID" }, "licensed_states": [ "CA", "ID", "NV", "WA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "new-construction", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 17, "lender_profile_url": "https://crosscountrymortgage.com/coeur-dalene-id-5060/raena-pinchuk/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Self-employed on lender page (lender page, verified 2026-10-09)", "Office in Coeur d'Alene, ID", "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 17 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/raena-pinchuk-1488388", "license_check": { "state": "ID", "confidence": "lender_reported", "eligible": true, "label": "ID 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/coeur-dalene-id-5060/raena-pinchuk/" }, "match_status": "exact", "matched_specialties": [ "self-employed" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 60.8, "loan_officer": { "nmls_id": 2260761, "slug": "andrew-watson-2260761", "full_name": "Andrew Watson", "canonical_url": "https://lendb.ai/lo/andrew-watson-2260761", "json_url": "https://lendb.ai/lo/andrew-watson-2260761.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Coeur d'Alene", "state": "ID" }, "licensed_states": [ "ID", "MT", "WA" ], "licenses": [ { "state": "ID", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 16, "lender_profile_url": "https://crosscountrymortgage.com/coeur-dalene-id-4951/andrew-watson/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Self-employed on lender page (lender page, verified 2026-10-09)", "Office in Coeur d'Alene, ID", "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 16 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/andrew-watson-2260761", "license_check": { "state": "ID", "confidence": "lender_reported", "eligible": true, "label": "ID 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/coeur-dalene-id-4951/andrew-watson/" }, "match_status": "exact", "matched_specialties": [ "self-employed" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 59.8, "loan_officer": { "nmls_id": 175142, "slug": "joe-soto-175142", "full_name": "Joe Soto", "canonical_url": "https://lendb.ai/lo/joe-soto-175142", "json_url": "https://lendb.ai/lo/joe-soto-175142.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Cypress", "state": "CA" }, "licensed_states": [ "AZ", "CA", "GA", "HI", "ID", "NC", "NV", "OR", "RI", "TN", "TX", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "RI", "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": "1099-income", "evidence": "lender_page_text" }, { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 20, "lender_profile_url": "https://crosscountrymortgage.com/cypress-ca-4041/jose-soto/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Self-employed on lender page (lender page, verified 2026-10-09)", "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 20 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/joe-soto-175142", "license_check": { "state": "ID", "confidence": "lender_reported", "eligible": true, "label": "ID 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/cypress-ca-4041/jose-soto/" }, "match_status": "exact", "matched_specialties": [ "self-employed" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 58.5, "loan_officer": { "nmls_id": 1399453, "slug": "sheilla-lavadia-1399453", "full_name": "Sheilla Lavadia", "canonical_url": "https://lendb.ai/lo/sheilla-lavadia-1399453", "json_url": "https://lendb.ai/lo/sheilla-lavadia-1399453.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": [ "FL", "AZ", "CA", "HI", "ID", "KS", "NM", "OR", "TX", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [ "en", "tl" ], "specialties": [ { "slug": "1099-income", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 22, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/sheilla-lavadia-1399453", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Self-employed on lender page (lender page, verified 2026-10-09)", "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2023 (per Florida records)", "States 22 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/sheilla-lavadia-1399453", "license_check": { "state": "ID", "confidence": "lender_reported", "eligible": true, "label": "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.loanfactory.com/mortgage-expert/sheilla-lavadia-1399453" }, "match_status": "exact", "matched_specialties": [ "self-employed" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 58.3, "loan_officer": { "nmls_id": 1034023, "slug": "laurent-o-shea-1034023", "full_name": "Laurent Oshea", "canonical_url": "https://lendb.ai/lo/laurent-o-shea-1034023", "json_url": "https://lendb.ai/lo/laurent-o-shea-1034023.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": [ "FL", "CO", "AZ", "ID", "LA", "MI", "TN" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "self-employed", "evidence": "lender_page_text" } ], "years_licensed": 0, "licensed_since": { "year": 2026, "state": "CO" }, "years_experience": 25, "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/laurent-oshea-1034023", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Self-employed on lender page (lender page, verified 2026-10-09)", "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2026 (per Colorado records)", "States 25 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/laurent-o-shea-1034023", "license_check": { "state": "ID", "confidence": "lender_reported", "eligible": true, "label": "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://www.loanfactory.com/mortgage-expert/laurent-oshea-1034023" }, "match_status": "exact", "matched_specialties": [ "self-employed" ], "unconfirmed_specialties": [] }, { "rank": 6, "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 Self-employed on lender page (lender page, verified 2026-10-09)", "ID 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": "ID", "confidence": "lender_reported", "eligible": true, "label": "ID 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": [ "self-employed" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 52.8, "loan_officer": { "nmls_id": 716658, "slug": "lisa-kelly-716658", "full_name": "Lisa Kelly", "canonical_url": "https://lendb.ai/lo/lisa-kelly-716658", "json_url": "https://lendb.ai/lo/lisa-kelly-716658.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Hayden", "state": "ID" }, "licensed_states": [ "ID", "WA" ], "licenses": [ { "state": "ID", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "construction", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/hayden-id-4268/lisa-kelly/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Self-employed on lender page (lender page, verified 2026-10-09)", "Office in Hayden, ID", "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/lisa-kelly-716658", "license_check": { "state": "ID", "confidence": "lender_reported", "eligible": true, "label": "ID 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/hayden-id-4268/lisa-kelly/" }, "match_status": "exact", "matched_specialties": [ "self-employed" ], "unconfirmed_specialties": [] }, { "rank": 8, "score": 52.8, "loan_officer": { "nmls_id": 1824996, "slug": "josiah-shelman-1824996", "full_name": "Josiah Paul Shelman", "canonical_url": "https://lendb.ai/lo/josiah-shelman-1824996", "json_url": "https://lendb.ai/lo/josiah-shelman-1824996.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Tumwater", "state": "WA" }, "licensed_states": [ "CA", "ID", "OR", "WA" ], "licenses": [ { "state": "CA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": 6, "lender_profile_url": "https://branches.guildmortgage.com/wa/tumwater/josiah-shelman-482-tcjsh.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Self-employed on lender page (lender page, verified 2026-10-09)", "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 6 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/josiah-shelman-1824996", "license_check": { "state": "ID", "confidence": "lender_reported", "eligible": true, "label": "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://branches.guildmortgage.com/wa/tumwater/josiah-shelman-482-tcjsh.html" }, "match_status": "exact", "matched_specialties": [ "self-employed" ], "unconfirmed_specialties": [] }, { "rank": 9, "score": 52.8, "loan_officer": { "nmls_id": 2826843, "slug": "jacob-pugmire-2826843", "full_name": "Jacob Pugmire", "canonical_url": "https://lendb.ai/lo/jacob-pugmire-2826843", "json_url": "https://lendb.ai/lo/jacob-pugmire-2826843.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Meridian", "state": "ID" }, "licensed_states": [ "ID", "MT" ], "licenses": [ { "state": "ID", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/meridian-id-4939/jacob-pugmire/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Self-employed on lender page (lender page, verified 2026-10-09)", "Office in Meridian, ID", "ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/jacob-pugmire-2826843", "license_check": { "state": "ID", "confidence": "lender_reported", "eligible": true, "label": "ID 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/meridian-id-4939/jacob-pugmire/" }, "match_status": "exact", "matched_specialties": [ "self-employed" ], "unconfirmed_specialties": [] }, { "rank": 10, "score": 51, "loan_officer": { "nmls_id": 57734, "slug": "denise-montgomery-57734", "full_name": "Denise Cuddeback Montgomery", "canonical_url": "https://lendb.ai/lo/denise-montgomery-57734", "json_url": "https://lendb.ai/lo/denise-montgomery-57734.json", "lender": { "nmls_id": 1850, "name": "American Pacific Mortgage", "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850", "type": "imb" }, "branch": { "city": "Eugene", "state": "OR" }, "licensed_states": [ "FL", "AZ", "CA", "CO", "ID", "MN", "MT", "OR", "TX", "WA", "WY" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MT", "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": "bank-statement", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "dscr", "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": "manufactured", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": 3, "licensed_since": { "year": 2023, "state": "FL" }, "years_experience": 30, "lender_profile_url": "https://www.apmortgage.com/denise-montgomery", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Self-employed on lender page (lender page, verified 2026-10-09)", "ID listed on their lender page (not yet checked with the state regulator; 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