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Loan programs · Hawaii

Bank statement loan officers in Hawaii

As of 2026-10-09, LenDb lists 5 loan officers licensed in or based in Hawaii whose lender pages show Bank statement loan work. The top-ranked are Joe Soto (CrossCountry Mortgage, Cypress), John Nguyen (Guild Mortgage, Boca Raton) and Evan Souza (Xpert Home Lending, Sacramento). Ranking is lender-neutral: specialty evidence first, then a license in HI, 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 5

  1. 1

    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 HI (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
  2. 2

    John NguyenNMLS 389742

    Guild Mortgage · Boca Raton, FL · licensed in 21 states

    • Bank statement loan
    • 1099 income
    • DSCR loan
    • Non-QM loan
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  3. 3

    Evan SouzaNMLS 1675909

    Xpert Home Lending · Sacramento, CA · licensed in 2 states

    • Bank statement loan
    • Asset-based qualifying
    • Down payment assistance
    • FHA loan
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  4. 4

    Dane CostaNMLS 787138

    Xpert Home Lending · Hawaii

    • Bank statement loan
    • First-time buyer
    • Real estate investor
    • VA loan
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • Branch in Hawaii
    • 11 years experience (stated on lender page, 2026-10-09)
  5. 5

    Alex RamirezNMLS 450556

    Xpert Home Lending · licensed in 5 states

    • Bank statement loan
    • VA loan
    • Asset-based qualifying
    • Down payment assistance
    • Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • 1 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 HI 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=HI. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.