Loan programs · Washington
USDA loan officers in Washington
As of 2026-10-09, LenDb lists 91 loan officers licensed in or based in Washington whose lender pages show USDA loan work. The top-ranked are Shelley Covington (Intercap Lending, Kirkland), Matthew Merrill (Guild Mortgage, Vancouver) and Pamela Valadez (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.
Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.
Ranked, with reasons · top 25
- 1
Shelley CovingtonNMLS 102076
Intercap Lending · Kirkland, WA · licensed in 3 states
- USDA loan
- Bank statement loan
- Down payment assistance
- FHA loan
- Lists USDA loan 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)
- 2
Matthew MerrillNMLS 115282
Guild Mortgage · Vancouver, WA · licensed in 5 states
- USDA loan
- FHA loan
- First-time buyer
- VA loan
- Lists USDA loan 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)
- 3
Pamela ValadezNMLS 74006
American Pacific Mortgage · Everett, WA
- USDA loan
- FHA loan
- Jumbo loan
- Manufactured home
- Lists USDA loan 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)
- 4
Kevin HassanNMLS 674086
American Pacific Mortgage · Everett, WA
- USDA loan
- Construction loan
- FHA loan
- Renovation loan (203k / HomeStyle)
- Lists USDA loan 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)
- 5
Kerwin LyonNMLS 275494
Guild Mortgage · Seattle, WA
- USDA loan
- FHA loan
- First-time buyer
- Jumbo loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 16 years experience (stated on lender page, 2026-10-09)
- 6
Steve LawsonNMLS 69656
LeaderOne Financial · Everett, WA
- USDA loan
- FHA loan
- VA loan
- Lists USDA loan 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)
- 7
Bill ClarkNMLS 220837
Fairway Independent Mortgage Corporation · Clackamas, OR · licensed in 2 states
- USDA loan
- FHA loan
- Renovation loan (203k / HomeStyle)
- VA loan
- Lists USDA loan 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)
- No disciplinary actions on file at LenDb
- 8
Katy CanalesNMLS 270783
Churchill Mortgage · Salem, OR · licensed in 3 states
- USDA loan
- FHA loan
- First-time buyer
- Real estate investor
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 29 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 9
Carol PopeNMLS 403897
Empire Home Loans · Fair Oaks, CA
- USDA loan
- Down payment assistance
- FHA loan
- Jumbo loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 25 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 10
Oleg TkachNMLS 90937
NFM Lending · Lynnwood, WA · licensed in 24 states
- USDA loan
- FHA loan
- Real estate investor
- VA loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 4 years licensed
- 11
Amber PageNMLS 229184
Evergreen Home Loans · Silverdale, WA · licensed in 14 states
- USDA loan
- FHA loan
- VA loan
- Lists USDA loan 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
- 12
Andrew WatsonNMLS 2260761
CrossCountry Mortgage · Coeur d'Alene, ID · licensed in 3 states
- USDA loan
- FHA loan
- Jumbo loan
- Real estate investor
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 16 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 13
Gilbert SalazarNMLS 344711
Guild Mortgage · Irvine, CA · licensed in 7 states
- USDA loan
- Down payment assistance
- FHA loan
- First-time buyer
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 14
Lynn PosseltNMLS 41393
Intercap Lending · Vancouver, WA · licensed in 2 states
- USDA loan
- First-time buyer
- VA loan
- FHA loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 40 years experience (stated on lender page, 2026-10-09)
- 15
Ron HansonNMLS 112619
Guild Mortgage · Tumwater, WA
- USDA loan
- FHA loan
- First-time buyer
- Real estate investor
- Lists USDA loan 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)
- 16
Darcy HansenNMLS 115482
LeaderOne Financial · Lakewood, WA · licensed in 3 states
- USDA loan
- Down payment assistance
- FHA loan
- Jumbo loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 30 years experience (stated on lender page, 2026-10-09)
- 17
Peter CowieNMLS 384006
Envoy Mortgage · Oak Harbor, WA · licensed in 2 states
- USDA loan
- FHA loan
- Jumbo loan
- Non-QM loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- No disciplinary actions on file at LenDb
- 18
Josh ReidNMLS 409986
Guild Mortgage · Vancouver, WA · licensed in 2 states
- USDA loan
- Construction loan
- Down payment assistance
- FHA loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 27 years experience (stated on lender page, 2026-10-09)
- 19
Chris CayoNMLS 854164
Guild Mortgage · Vancouver, WA · licensed in 2 states
- USDA loan
- FHA loan
- VA loan
- Down payment assistance
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- No disciplinary actions on file at LenDb
- 20
PJ MooneyNMLS 1078194
Guild Mortgage · Bellevue, WA · licensed in 3 states
- USDA loan
- FHA loan
- Jumbo loan
- VA loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- No disciplinary actions on file at LenDb
- 21
Mitch SmithNMLS 1825029
Guild Mortgage · Shelton, WA · licensed in 4 states
- USDA loan
- Down payment assistance
- FHA loan
- VA loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- No disciplinary actions on file at LenDb
- 22
Sean HolmanNMLS 1420664
American Pacific Mortgage · Issaquah, WA · licensed in 2 states
- USDA loan
- FHA loan
- Jumbo loan
- Self-employed
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- No disciplinary actions on file at LenDb
- 23
George PressleyNMLS 94040
Loan Factory · Washington
- USDA loan
- 1099 income
- Asset-based qualifying
- Bank statement loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 30 years experience (stated on lender page, 2026-10-09)
- 24
Sam KlaburnerNMLS 140132
Loan Factory · licensed in 4 states
- USDA loan
- Down payment assistance
- DSCR loan
- FHA loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 9 years licensed
- No disciplinary actions on file at LenDb
- 25
Tiffany ArnoldNMLS 646417
NFM Lending · Richmond, VA · licensed in 13 states
- USDA loan
- FHA loan
- VA loan
- Lists USDA loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
Before you choose
Property location and household income limits must both qualify, and USDA approval adds time to the closing.
- Is this address in a USDA eligible area?
- Does my household income fall under the limit for this county?
- How long does USDA approval take with you right now?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in WA or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=usda&state=WA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.