{ "canonical_url": "https://lendb.ai/s/va/hawaii", "summary": "As of 2026-10-09, LenDb lists 36 loan officers licensed in or based in Hawaii whose lender pages show VA loan work. The top-ranked are Scott Evans (CrossCountry Mortgage, San Diego), Mark Villano (CrossCountry Mortgage, Lakewood) and Alex Ramirez (Xpert Home Lending). Ranking is lender-neutral: specialty evidence first, then a license in HI, branch location, experience and profile completeness. Nobody pays for placement.", "specialty": "va", "state": "HI", "total": 36, "last_verified": "2026-10-09", "results": [ { "rank": 1, "score": 56.3, "loan_officer": { "nmls_id": 256163, "slug": "scott-evans-256163", "full_name": "Scott Evans", "canonical_url": "https://lendb.ai/lo/scott-evans-256163", "json_url": "https://lendb.ai/lo/scott-evans-256163.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "San Diego", "state": "CA" }, "licensed_states": [ "FL", "AK", "AL", "AR", "AZ", "CA", "CO", "DC", "HI", "ID", "IL", "IN", "KS", "KY", "LA", "MA", "MD", "ME", "MI", "MN", "MO", "MS", "MT", "NC", "NE", "NJ", "NM", "NV", "OH", "OR", "PA", "SC", "SD", "TN", "TX", "VA", "WA", "WI" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" } ], "years_licensed": 13, "licensed_since": { "year": 2013, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/san-diego-ca-4018/scott-evans/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2013 (per Florida records)" ], "canonical_url": "https://lendb.ai/lo/scott-evans-256163", "license_check": { "state": "HI", "confidence": "lender_reported", "eligible": true, "label": "HI 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/san-diego-ca-4018/scott-evans/" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 2, "score": 55.8, "loan_officer": { "nmls_id": 1306487, "slug": "mark-villano-1306487", "full_name": "Mark Villano", "canonical_url": "https://lendb.ai/lo/mark-villano-1306487", "json_url": "https://lendb.ai/lo/mark-villano-1306487.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Lakewood", "state": "WA" }, "licensed_states": [ "FL", "AK", "AL", "AZ", "CA", "CO", "GA", "HI", "ID", "IL", "IN", "KS", "KY", "LA", "ME", "MN", "MO", "MT", "NC", "NH", "NM", "OK", "OR", "PA", "SC", "TN", "TX", "VA", "WA" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" } ], "years_licensed": 7, "licensed_since": { "year": 2019, "state": "CO" }, "years_experience": 12, "lender_profile_url": "https://crosscountrymortgage.com/lakewood-wa-5536/mark-villano/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2019 (per Colorado records)", "States 12 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/mark-villano-1306487", "license_check": { "state": "HI", "confidence": "lender_reported", "eligible": true, "label": "HI 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/lakewood-wa-5536/mark-villano/" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 3, "score": 54.8, "loan_officer": { "nmls_id": 450556, "slug": "alexis-ramirez-450556", "full_name": "Alex Ramirez", "canonical_url": "https://lendb.ai/lo/alexis-ramirez-450556", "json_url": "https://lendb.ai/lo/alexis-ramirez-450556.json", "lender": { "nmls_id": 2179191, "name": "Xpert Home Lending", "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191", "type": "broker" }, "branch": { "city": null, "state": null }, "licensed_states": [ "AZ", "CA", "HI", "TX", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "va", "evidence": "lender_page_text" }, { "slug": "asset-based", "evidence": "lender_page_text" }, { "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": "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" } ], "years_licensed": 1, "licensed_since": { "year": 2025, "state": "FL" }, "years_experience": 21, "lender_profile_url": "https://xperthomelending.com/loan-directory/alex-ramirez", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2025 (per Florida records)", "States 21 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/alexis-ramirez-450556", "license_check": { "state": "HI", "confidence": "lender_reported", "eligible": true, "label": "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://xperthomelending.com/loan-directory/alex-ramirez" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 4, "score": 54.3, "loan_officer": { "nmls_id": 787138, "slug": "dane-costa-787138", "full_name": "Dane Costa", "canonical_url": "https://lendb.ai/lo/dane-costa-787138", "json_url": "https://lendb.ai/lo/dane-costa-787138.json", "lender": { "nmls_id": 2179191, "name": "Xpert Home Lending", "canonical_url": "https://lendb.ai/lender/xpert-home-lending-2179191", "type": "broker" }, "branch": { "city": null, "state": "HI" }, "licensed_states": [ "HI" ], "licenses": [ { "state": "HI", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "asset-based", "evidence": "lender_page_text" }, { "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": "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" } ], "years_licensed": null, "licensed_since": null, "years_experience": 11, "lender_profile_url": "https://xperthomelending.com/loan-directory/dane-costa", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "Office in Hawaii", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "States 11 years of experience (lender page, 2026-10-09)" ], "canonical_url": "https://lendb.ai/lo/dane-costa-787138", "license_check": { "state": "HI", "confidence": "lender_reported", "eligible": true, "label": "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-09", "source_url": "https://xperthomelending.com/loan-directory/dane-costa" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 5, "score": 52.8, "loan_officer": { "nmls_id": 1089638, "slug": "jessica-takayesu-1089638", "full_name": "Jessica Takayesu", "canonical_url": "https://lendb.ai/lo/jessica-takayesu-1089638", "json_url": "https://lendb.ai/lo/jessica-takayesu-1089638.json", "lender": { "nmls_id": 3274, "name": "Guild Mortgage", "canonical_url": "https://lendb.ai/lender/guild-mortgage-3274", "type": "imb" }, "branch": { "city": "Kailua", "state": "HI" }, "licensed_states": [ "HI", "NV", "WA" ], "licenses": [ { "state": "HI", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "years_licensed": null, "licensed_since": null, "years_experience": null, "lender_profile_url": "https://branches.guildmortgage.com/hi/kailua/jessica-takayesu-856-kujba.html", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "Office in Kailua, HI", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)" ], "canonical_url": "https://lendb.ai/lo/jessica-takayesu-1089638", "license_check": { "state": "HI", "confidence": "lender_reported", "eligible": true, "label": "HI 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/hi/kailua/jessica-takayesu-856-kujba.html" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 6, "score": 52.3, "loan_officer": { "nmls_id": 1243024, "slug": "patton-gade-1243024", "full_name": "Patton Gade", "canonical_url": "https://lendb.ai/lo/patton-gade-1243024", "json_url": "https://lendb.ai/lo/patton-gade-1243024.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Scottsdale", "state": "AZ" }, "licensed_states": [ "FL", "CO", "AK", "AL", "AR", "AZ", "CA", "CT", "DC", "DE", "GA", "HI", "IA", "ID", "IL", "IN", "KS", "KY", "LA", "MD", "MI", "MN", "MO", "MT", "NC", "ND", "NE", "NJ", "NM", "NV", "OH", "OK", "OR", "PA", "SD", "TN", "TX", "VA", "WA", "WI", "WY" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "va", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/scottsdale-az-4482/patton-gade/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Licensed since 2021 (per Colorado records)" ], "canonical_url": "https://lendb.ai/lo/patton-gade-1243024", "license_check": { "state": "HI", "confidence": "lender_reported", "eligible": true, "label": "HI 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/scottsdale-az-4482/patton-gade/" }, "match_status": "exact", "matched_specialties": [ "va" ], "unconfirmed_specialties": [] }, { "rank": 7, "score": 52.3, "loan_officer": { "nmls_id": 1957808, "slug": "jay-bunte-1957808", "full_name": "Jay Bunte", "canonical_url": "https://lendb.ai/lo/jay-bunte-1957808", "json_url": "https://lendb.ai/lo/jay-bunte-1957808.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Fort Worth", "state": "TX" }, "licensed_states": [ "FL", "CO", "AK", "AL", "AR", "AZ", "CA", "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", "NY", "OH", "OK", "OR", "PA", "SC", "SD", "TN", "TX", "VA", "WA", "WI", "WY" ], "licenses": [ { "state": "AK", "confidence": "lender_reported" }, { "state": "AL", "confidence": "lender_reported" }, { "state": "AR", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "CT", "confidence": "lender_reported" }, { "state": "DC", "confidence": "lender_reported" }, { "state": "DE", "confidence": "lender_reported" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "HI", "confidence": "lender_reported" }, { "state": "IA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "IL", "confidence": "lender_reported" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "KS", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "LA", "confidence": "lender_reported" }, { "state": "MA", "confidence": "lender_reported" }, { "state": "MD", "confidence": "lender_reported" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MO", "confidence": "lender_reported" }, { "state": "MS", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "ND", "confidence": "lender_reported" }, { "state": "NE", "confidence": "lender_reported" }, { "state": "NH", "confidence": "lender_reported" }, { "state": "NJ", "confidence": "lender_reported" }, { "state": "NM", "confidence": "lender_reported" }, { "state": "NY", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "OR", "confidence": "lender_reported" }, { "state": "PA", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "lender_reported" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WI", "confidence": "lender_reported" }, { "state": "WY", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "va", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" } ], "years_licensed": 5, "licensed_since": { "year": 2021, "state": "CO" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/fort-worth-tx-4693/jay-bunte/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists VA loan on lender page (lender page, verified 2026-10-09)", "HI listed on their lender page (not yet checked with the state regulator; 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