Loan programs · Idaho
Bank statement loan officers in Idaho
As of 2026-10-09, LenDb lists 12 loan officers licensed in or based in Idaho whose lender pages show Bank statement loan work. The top-ranked are Joe Soto (CrossCountry Mortgage, Cypress), Michelle Hudson (American Pacific Mortgage, Eagle) and Farrell LaMetterey (Loan Factory, North Idaho). Ranking is lender-neutral: specialty evidence first, then a license in ID, 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 12
- 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 ID (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
Michelle HudsonNMLS 182321
American Pacific Mortgage · Eagle, ID · licensed in 3 states
- Bank statement loan
- Construction loan
- DSCR loan
- FHA loan
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- Branch in Idaho
- 3 years licensed
- 3
Farrell LaMettereyNMLS 2017731
Loan Factory · North Idaho, ID · licensed in 2 states
- Bank statement loan
- DSCR loan
- FHA loan
- HELOC
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- Branch in Idaho
- No disciplinary actions on file at LenDb
- 4
Brandon HansenNMLS 283559
Guild Mortgage · Toquerville, UT · licensed in 11 states
- Bank statement loan
- Asset-based qualifying
- Real estate investor
- Reverse mortgage
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 5
Charles StevensonNMLS 694755
Fairway Independent Mortgage Corporation · Garden City, ID
- 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 ID (listed on lender page, verified 2026-10-09)
- Branch in Idaho
- 11 years experience (stated on lender page, 2026-10-09)
- 6
Jim BrettlNMLS 455400
Xpert Home Lending · 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 ID (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 7
Brent RoseNMLS 308611
Intercap Lending · Pleasant Grove, UT · licensed in 4 states
- Bank statement loan
- Down payment assistance
- Jumbo loan
- Non-QM loan
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- 14 years licensed
- No disciplinary actions on file at LenDb
- 8
Skip LeasureNMLS 526803
Intercap Lending · licensed in 3 states
- Bank statement loan
- HELOC
- VA loan
- Down payment assistance
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 9
William CommonsNMLS 79745
Assurance Financial · Baton Rouge, LA · licensed in 36 states
- Bank statement loan
- Asset-based qualifying
- DSCR loan
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- 7 years licensed
- No disciplinary actions on file at LenDb
- 10
Karen NielsonNMLS 80226
Guild Mortgage · Logan, UT · licensed in 5 states
- Bank statement loan
- Construction loan
- DSCR loan
- FHA loan
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 11
Denise Cuddeback MontgomeryNMLS 57734
American Pacific Mortgage · Eugene, OR · licensed in 11 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 ID (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 12
Shannon JohnsonNMLS 916249
Intercap Lending · Brigham City, UT · licensed in 4 states
- Bank statement loan
- Down payment assistance
- FHA loan
- Non-QM loan
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in ID (listed on lender page, verified 2026-10-09)
- 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?
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 ID 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=ID. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.