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Loan programs · Arizona

Bank statement loan officers in Arizona

As of 2026-10-09, LenDb lists 46 loan officers licensed in or based in Arizona whose lender pages show Bank statement loan work. The top-ranked are Dru Suzanne Oster (Barrett Financial Group, Chandler), Joe Soto (CrossCountry Mortgage, Cypress) and Kirk Taylor (CrossCountry Mortgage, Naples). Ranking is lender-neutral: specialty evidence first, then a license in AZ, 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. 1

    Dru Suzanne OsterNMLS 1465553

    Barrett Financial Group · Mortgage broker · Chandler, AZ

    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • First-time buyer
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • 27 years experience (stated on lender page, 2026-10-09)
  2. 2

    Joe SotoNMLS 175142

    CrossCountry Mortgage · Cypress, CA · licensed in 12 states

    • Bank statement loan
    • 1099 income
    • Self-employed
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 20 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  3. 3

    Kirk TaylorNMLS 312131

    CrossCountry Mortgage · Naples, FL · licensed in 16 states

    • Bank statement loan
    • 1099 income
    • DSCR loan
    • Self-employed
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 12 years licensed
    • No disciplinary actions on file at LenDb
  4. 4

    Shelley CovingtonNMLS 102076

    Intercap Lending · Kirkland, WA · licensed in 3 states

    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • First-time buyer
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (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
  5. 5

    Edrise BayoNMLS 2718591

    CrossCountry Mortgage · Scottsdale, AZ

    • Bank statement loan
    • FHA loan
    • ITIN borrower
    • VA loan
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • No disciplinary actions on file at LenDb
  6. 6

    Staci CotterNMLS 404843

    Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 9 states

    • Bank statement loan
    • Jumbo loan
    • Self-employed
    • FHA loan
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • No disciplinary actions on file at LenDb
  7. 7

    Alexandra EstradaNMLS 2055353

    Barrett Financial Group · Mortgage broker · Chandler, AZ

    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • First-time buyer
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • No disciplinary actions on file at LenDb
  8. 8

    Agostino (Augie) IaconoNMLS 283725

    Barrett Financial Group · Mortgage broker · Brookfield, WI · licensed in 11 states

    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • Jumbo loan
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  9. 9

    Scott BuehlerNMLS 1794818

    Guild Mortgage · St. George, UT · licensed in 5 states

    • Bank statement loan
    • New construction
    • Self-employed
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  10. 10

    Kayla ChaseNMLS 145990

    Lit Financial Corporation · licensed in 11 states

    • Bank statement loan
    • Condo
    • Jumbo loan
    • HELOC
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 14 years licensed
    • No disciplinary actions on file at LenDb
  11. 11

    Steve AndersonNMLS 1096829

    Lit Financial Corporation · licensed in 12 states

    • Bank statement loan
    • DSCR loan
    • HELOC
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 11 years licensed
    • No disciplinary actions on file at LenDb
  12. 12

    Kyle BrunetNMLS 1237678

    Lit Financial Corporation · licensed in 9 states

    • Bank statement loan
    • Condo
    • DSCR loan
    • Jumbo loan
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 10 years licensed
    • No disciplinary actions on file at LenDb
  13. 13

    Jim BrettlNMLS 455400

    Xpert Home Lending · Mortgage broker · licensed in 13 states

    • Bank statement loan
    • DSCR loan
    • HELOC
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  14. 14

    Ellie NelsonNMLS 1419225

    Barrett Financial Group · Mortgage broker · Las Vegas, NV · licensed in 8 states

    • Bank statement loan
    • Construction loan
    • First-time buyer
    • Down payment assistance
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  15. 15

    Vickie NewmanNMLS 493951

    Guild Mortgage · Greenwood Village, CO · licensed in 4 states

    • Bank statement loan
    • First-time buyer
    • Jumbo loan
    • Reverse mortgage
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  16. 16

    Sam BromleyNMLS 1151654

    Xpert Home Lending · Mortgage broker · licensed in 10 states

    • Bank statement loan
    • VA loan
    • Real estate investor
    • Asset-based qualifying
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 12 years licensed
    • No disciplinary actions on file at LenDb
  17. 17

    Shyann EckelNMLS 166653

    Intercap Lending · Flagstaff, AZ

    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • Jumbo loan
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • No disciplinary actions on file at LenDb
  18. 18

    Burx NorrodNMLS 852144

    Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 2 states

    • Bank statement loan
    • 1099 income
    • Down payment assistance
    • FHA loan
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • No disciplinary actions on file at LenDb
  19. 19

    Joseph ValVerdeNMLS 1600827

    Loan Factory · Mortgage broker · licensed in 2 states

    • Bank statement loan
    • 1099 income
    • Self-employed
    • First-time buyer
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  20. 20

    Leticia AnchondoNMLS 1790194

    Barrett Financial Group · Mortgage broker · Gilbert, AZ

    • Bank statement loan
    • 1099 income
    • FHA loan
    • First-time buyer
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • Branch in Arizona
    • No disciplinary actions on file at LenDb
  21. 21

    Jeremy HicksNMLS 1960052

    Guild Mortgage · Prineville, OR · licensed in 5 states

    • Bank statement loan
    • Down payment assistance
    • FHA loan
    • First-time buyer
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  22. 22

    Ryan McGranNMLS 2520487

    Lit Financial Corporation · licensed in 19 states

    • Bank statement loan
    • Condo
    • DSCR loan
    • Jumbo loan
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  23. 23

    Star MirandaNMLS 2005818

    Xpert Home Lending · Mortgage broker · licensed in 3 states

    • Bank statement loan
    • Down payment assistance
    • DSCR loan
    • FHA loan
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  24. 24

    Tyler FrantangeloNMLS 1211919

    Lit Financial Corporation · licensed in 8 states

    • Bank statement loan
    • Condo
    • DSCR loan
    • Jumbo loan
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  25. 25

    Hope OrtonNMLS 260618

    Intercap Lending · St. George, UT · licensed in 8 states

    • Bank statement loan
    • First-time buyer
    • Real estate investor
    • Down payment assistance
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in AZ (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb

Before you choose

Expense factors and deposit analysis vary, so the same statements can qualify for very different amounts.

  • Do you use personal or business statements, and what expense factor?
  • How do you treat large or irregular deposits?
  • How does pricing compare with a full documentation loan?

More about Bank statement loan

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 AZ 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=bank-statement&state=AZ. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.