{
  "canonical_url": "https://lendb.ai/s/vacation-home/idaho",
  "summary": "As of 2026-10-09, LenDb lists 3 loan officers licensed in or based in Idaho whose lender pages show Vacation home work. The top-ranked are Jacqueline Allen (CrossCountry Mortgage, El Segundo) and Nick Carter (Directors Mortgage, Eugene). Ranking is lender-neutral: specialty evidence first, then a license in ID, branch location, experience and profile completeness. Nobody pays for placement.",
  "specialty": "vacation-home",
  "state": "ID",
  "total": 3,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 528786,
        "slug": "jacqueline-allen-528786",
        "full_name": "Jacqueline Allen",
        "canonical_url": "https://lendb.ai/lo/jacqueline-allen-528786",
        "json_url": "https://lendb.ai/lo/jacqueline-allen-528786.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "El Segundo",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "ID",
          "OR",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "condo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 5,
        "licensed_since": {
          "year": 2021,
          "state": "FL"
        },
        "years_experience": 25,
        "lender_profile_url": "https://crosscountrymortgage.com/el-segundo-ca-8089/jacqueline-allen/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Vacation home 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 2021 (per Florida records)",
        "States 25 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/jacqueline-allen-528786",
      "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/el-segundo-ca-8089/jacqueline-allen/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "vacation-home"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 43.8,
      "loan_officer": {
        "nmls_id": 200547,
        "slug": "nick-carter-200547",
        "full_name": "Nick Carter",
        "canonical_url": "https://lendb.ai/lo/nick-carter-200547",
        "json_url": "https://lendb.ai/lo/nick-carter-200547.json",
        "lender": {
          "nmls_id": 3240,
          "name": "Directors Mortgage",
          "canonical_url": "https://lendb.ai/lender/directors-mortgage-3240",
          "type": "imb"
        },
        "branch": {
          "city": "Eugene",
          "state": "OR"
        },
        "licensed_states": [
          "AZ",
          "CA",
          "CO",
          "ID",
          "MT",
          "NV",
          "OR",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "vacation-home",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": null,
        "lender_profile_url": "https://www.directorsmortgage.com/loan-officer/nick-carter/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Vacation home 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)"
      ],
      "canonical_url": "https://lendb.ai/lo/nick-carter-200547",
      "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.directorsmortgage.com/loan-officer/nick-carter/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "vacation-home"
      ],
      "unconfirmed_specialties": []
    }
  ]
}