Loan programs · Oregon
Bank statement loan officers in Oregon
As of 2026-10-09, LenDb lists 18 loan officers licensed in or based in Oregon whose lender pages show Bank statement loan work. The top-ranked are Joe Soto (CrossCountry Mortgage, Cypress), Shelley Covington (Intercap Lending, Kirkland) and Michelle Hudson (American Pacific Mortgage, Eagle). Ranking is lender-neutral: specialty evidence first, then a license in OR, 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 18
- 1
Joe SotoNMLS 175142
CrossCountry Mortgage · Cypress, CA · licensed in 12 states
- Bank statement loan
- 1099 income
- Self-employed
- OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- States 20 years of experience (lender page, 2026-10-09)
- 2
Shelley CovingtonNMLS 102076
Intercap Lending · Kirkland, WA · licensed in 3 states
- Bank statement loan
- Down payment assistance
- FHA loan
- First-time buyer
- OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- States 25 years of experience (lender page, 2026-10-09)
- 3
Michelle HudsonNMLS 182321
American Pacific Mortgage · Eagle, ID · licensed in 3 states
- Bank statement loan
- Construction loan
- DSCR loan
- FHA loan
- OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- States 35 years of experience (lender page, 2026-10-09)
- 4
Staci CotterNMLS 404843
Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 9 states
- Bank statement loan
- Self-employed
- OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Colorado records)
- 5
Rajat JetleyNMLS 1595897
CrossCountry Mortgage · San Juan Capistrano, CA · licensed in 9 states
- Bank statement loan
- Jumbo loan
- VA loan
- FHA loan
- OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2024 (per Florida records)
- 6
Jennifer BurtonNMLS 95736
Intercap Lending · licensed in 2 states
- Bank statement loan
- First-time buyer
- Real estate investor
- Down payment assistance
- OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- States 20 years of experience (lender page, 2026-10-09)
- 7
Steve AndersonNMLS 1096829
Lit Financial Corporation · licensed in 12 states
- Bank statement loan
- DSCR loan
- HELOC
- OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2015 (per Florida records)
- 8
Jim BrettlNMLS 455400
Xpert Home Lending · Mortgage broker · licensed in 13 states
- Bank statement loan
- DSCR loan
- HELOC
- OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- 9
David K. Clark IIINMLS 1375791
Lit Financial Corporation · licensed in 5 states
- Bank statement loan
- DSCR loan
- Non-QM loan
- HELOC
- OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2017 (per Florida records)
- 10
Jeremy HicksNMLS 1960052
Guild Mortgage · Prineville, OR · licensed in 5 states
- Bank statement loan
- Down payment assistance
- FHA loan
- First-time buyer
- OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Office in Prineville, OR
- 11
Skip LeasureNMLS 526803
Intercap Lending · licensed in 3 states
- Bank statement loan
- HELOC
- VA loan
- Down payment assistance
- OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- 12
Henry DoNMLS 1863960
Lit Financial Corporation · licensed in 7 states
- Bank statement loan
- Condo
- DSCR loan
- Jumbo loan
- OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Colorado records)
- 13
Ryan McGranNMLS 2520487
Lit Financial Corporation · licensed in 19 states
- Bank statement loan
- Condo
- DSCR loan
- Jumbo loan
- OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Colorado records)
- 14
Carmel PerezNMLS 1933170
CrossCountry Mortgage · Kennewick, WA · licensed in 2 states
- Bank statement loan
- ITIN borrower
- First-time buyer
- OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- 15
Denise Cuddeback MontgomeryNMLS 57734
American Pacific Mortgage · Eugene, OR · licensed in 11 states
- Bank statement loan
- Down payment assistance
- DSCR loan
- FHA loan
- OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Office in Eugene, OR
- Licensed since 2023 (per Florida records)
- 16
Hope OrtonNMLS 260618
Intercap Lending · St. George, UT · licensed in 8 states
- Bank statement loan
- First-time buyer
- Real estate investor
- Down payment assistance
- OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
- 17
Sam BromleyNMLS 1151654
Xpert Home Lending · Mortgage broker · licensed in 10 states
- Bank statement loan
- VA loan
- Real estate investor
- Asset-based qualifying
- OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed since 2025 (per Florida records)
- 18
Jennifer PachecoNMLS 486264
Intercap Lending · Spokane, WA · licensed in 3 states
- Bank statement loan
- Down payment assistance
- FHA loan
- Jumbo loan
- OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
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 are listed when a OR license is confirmed with the state regulator (check mark), OR is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=bank-statement&state=OR. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.