--- canonical_url: https://lendb.ai/s/bank-statement/california last_verified: 2026-10-09 --- # Bank statement loan officers in California As of 2026-10-09, LenDb lists 27 loan officers licensed in or based in California whose lender pages show Bank statement loan work. The top-ranked are Joe Soto (CrossCountry Mortgage, Cypress), Eric Rosemary (CrossCountry Mortgage, Boca Raton) and Kirk Taylor (CrossCountry Mortgage, Naples). Ranking is lender-neutral: specialty evidence first, then a license in CA, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Joe Soto](https://lendb.ai/lo/joe-soto-175142)** (NMLS 175142), CrossCountry Mortgage, Cypress, CA - Lists Bank statement loan on lender page (lender page, verified 2026-10-09) - Office in Cypress, CA - CA 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) 2. **[Eric Rosemary](https://lendb.ai/lo/eric-rosemary-301253)** (NMLS 301253), CrossCountry Mortgage, Boca Raton, FL - Lists Bank statement loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2012 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 3. **[Kirk Taylor](https://lendb.ai/lo/kirk-taylor-312131)** (NMLS 312131), CrossCountry Mortgage, Naples, FL - Lists Bank statement loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 4. **[Tracey Radinovic](https://lendb.ai/lo/tracey-radinovic-997560)** (NMLS 997560), Fairway Independent Mortgage Corporation, Overland Park, KS - Lists Bank statement loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 14 years of experience (lender page, 2026-10-09) 5. **[Jason Fox](https://lendb.ai/lo/jason-fox-179208)** (NMLS 179208), NFM Lending, Frederick, MD - Lists Bank statement loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 6. **[Don Gonzalez](https://lendb.ai/lo/don-gonzalez-284413)** (NMLS 284413), Loan Factory, CA - Lists Bank statement loan on lender page (lender page, verified 2026-10-09) - Office in California - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 25 years of experience (lender page, 2026-10-09) 7. **[Rajat Jetley](https://lendb.ai/lo/rajat-jetley-1595897)** (NMLS 1595897), CrossCountry Mortgage, San Juan Capistrano, CA - Lists Bank statement loan on lender page (lender page, verified 2026-10-09) - Office in San Juan Capistrano, CA - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 8. **[Staci Cotter](https://lendb.ai/lo/staci-cotter-404843)** (NMLS 404843), Barrett Financial Group, Chandler, AZ - Lists Bank statement loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Colorado records) 9. **[Sylvia Cruz](https://lendb.ai/lo/sylvia-cruz-2752914)** (NMLS 2752914), Loan Factory, CA - Lists Bank statement loan on lender page (lender page, verified 2026-10-09) - Office in California - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 10. **[Denise Cuddeback Montgomery](https://lendb.ai/lo/denise-montgomery-57734)** (NMLS 57734), American Pacific Mortgage, Eugene, OR - Lists Bank statement loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 11. **[Scott Buehler](https://lendb.ai/lo/scott-buehler-1794818)** (NMLS 1794818), Guild Mortgage, St. George, UT - Lists Bank statement loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 12. **[Jim Brettl](https://lendb.ai/lo/jim-brettl-455400)** (NMLS 455400), Xpert Home Lending - Lists Bank statement loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 13. **[Kayla Chase](https://lendb.ai/lo/kayla-chase-145990)** (NMLS 145990), Lit Financial Corporation - Lists Bank statement loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Colorado records) 14. **[Steve Furdock](https://lendb.ai/lo/steve-furdock-376017)** (NMLS 376017), Lit Financial Corporation - Lists Bank statement loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) 15. **[Chris Clark](https://lendb.ai/lo/chris-clark-1530367)** (NMLS 1530367), Loan Factory - Lists Bank statement loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 16. **[Steve Anderson](https://lendb.ai/lo/steve-anderson-1096829)** (NMLS 1096829), Lit Financial Corporation - Lists Bank statement loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) 17. **[Ricky Phan](https://lendb.ai/lo/ricky-phan-1203987)** (NMLS 1203987), Loan Factory, CA - Lists Bank statement loan on lender page (lender page, verified 2026-10-09) - Office in California - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 18. **[Kyle Brunet](https://lendb.ai/lo/kyle-brunet-1237678)** (NMLS 1237678), Lit Financial Corporation - Lists Bank statement loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 19. **[Tyler Frantangelo](https://lendb.ai/lo/tyler-frantangelo-1211919)** (NMLS 1211919), Lit Financial Corporation - Lists Bank statement loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Colorado records) 20. **[Israel Sanchez](https://lendb.ai/lo/israel-sanchez-2181978)** (NMLS 2181978), Loan Factory - Lists Bank statement loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 21. **[Philip Doos](https://lendb.ai/lo/philip-doos-2379827)** (NMLS 2379827), Loan Factory, CA - Lists Bank statement loan on lender page (lender page, verified 2026-10-09) - Office in California - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 22. **[Camden Burns](https://lendb.ai/lo/camden-burns-2152605)** (NMLS 2152605), Loan Factory - Lists Bank statement loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 23. **[Ryan McGran](https://lendb.ai/lo/ryan-mcgran-2520487)** (NMLS 2520487), Lit Financial Corporation - Lists Bank statement loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Colorado records) 24. **[Jeremy Hicks](https://lendb.ai/lo/jeremy-hicks-1960052)** (NMLS 1960052), Guild Mortgage, Prineville, OR - Lists Bank statement loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 25. **[Jacqueline Villalobos](https://lendb.ai/lo/jacqueline-villalobos-1030075)** (NMLS 1030075), Barrett Financial Group, Gilbert, AZ - Lists Bank statement loan on lender page (lender page, verified 2026-10-09) - CA listed on their lender page (not yet checked with the state regulator; verify at NMLS) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/bank-statement/california. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._