{
  "canonical_url": "https://lendb.ai/s/bank-statement/oregon",
  "summary": "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.",
  "specialty": "bank-statement",
  "state": "OR",
  "total": 18,
  "last_verified": "2026-10-09",
  "results": [
    {
      "rank": 1,
      "score": 59.8,
      "loan_officer": {
        "nmls_id": 175142,
        "slug": "joe-soto-175142",
        "full_name": "Joe Soto",
        "canonical_url": "https://lendb.ai/lo/joe-soto-175142",
        "json_url": "https://lendb.ai/lo/joe-soto-175142.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "Cypress",
          "state": "CA"
        },
        "licensed_states": [
          "AZ",
          "CA",
          "GA",
          "HI",
          "ID",
          "NC",
          "NV",
          "OR",
          "RI",
          "TN",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "GA",
            "confidence": "lender_reported"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "NV",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "RI",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "1099-income",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://crosscountrymortgage.com/cypress-ca-4041/jose-soto/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Bank statement loan on lender page (lender page, verified 2026-10-09)",
        "OR 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)"
      ],
      "canonical_url": "https://lendb.ai/lo/joe-soto-175142",
      "license_check": {
        "state": "OR",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/cypress-ca-4041/jose-soto/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "bank-statement"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 2,
      "score": 55.8,
      "loan_officer": {
        "nmls_id": 102076,
        "slug": "shelley-covington-102076",
        "full_name": "Shelley Covington",
        "canonical_url": "https://lendb.ai/lo/shelley-covington-102076",
        "json_url": "https://lendb.ai/lo/shelley-covington-102076.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Kirkland",
          "state": "WA"
        },
        "licensed_states": [
          "AZ",
          "OR",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 25,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/shelley-covington/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Bank statement loan on lender page (lender page, verified 2026-10-09)",
        "OR 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)"
      ],
      "canonical_url": "https://lendb.ai/lo/shelley-covington-102076",
      "license_check": {
        "state": "OR",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.intercaplending.com/loan-officer/shelley-covington/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "bank-statement"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 3,
      "score": 55,
      "loan_officer": {
        "nmls_id": 182321,
        "slug": "michelle-oliver-182321",
        "full_name": "Michelle Hudson",
        "canonical_url": "https://lendb.ai/lo/michelle-oliver-182321",
        "json_url": "https://lendb.ai/lo/michelle-oliver-182321.json",
        "lender": {
          "nmls_id": 1850,
          "name": "American Pacific Mortgage",
          "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850",
          "type": "imb"
        },
        "branch": {
          "city": "Eagle",
          "state": "ID"
        },
        "licensed_states": [
          "ID",
          "OR",
          "WA"
        ],
        "licenses": [
          {
            "state": "ID",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "construction",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "licensed_since": {
          "year": 2022,
          "state": "FL"
        },
        "years_experience": 35,
        "lender_profile_url": "https://www.apmortgage.com/michelle-hudson",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Bank statement loan on lender page (lender page, verified 2026-10-09)",
        "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2022 (per Florida records)",
        "States 35 years of experience (lender page, 2026-10-09)"
      ],
      "canonical_url": "https://lendb.ai/lo/michelle-oliver-182321",
      "license_check": {
        "state": "OR",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.apmortgage.com/michelle-hudson"
      },
      "match_status": "exact",
      "matched_specialties": [
        "bank-statement"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 4,
      "score": 51.8,
      "loan_officer": {
        "nmls_id": 404843,
        "slug": "staci-cotter-404843",
        "full_name": "Staci Cotter",
        "canonical_url": "https://lendb.ai/lo/staci-cotter-404843",
        "json_url": "https://lendb.ai/lo/staci-cotter-404843.json",
        "lender": {
          "nmls_id": 181106,
          "name": "Barrett Financial Group",
          "canonical_url": "https://lendb.ai/lender/barrett-financial-181106",
          "type": "broker"
        },
        "branch": {
          "city": "Chandler",
          "state": "AZ"
        },
        "licensed_states": [
          "CO",
          "AZ",
          "CA",
          "KS",
          "MO",
          "NM",
          "OR",
          "TX",
          "WA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "confirmed"
          },
          {
            "state": "KS",
            "confidence": "lender_reported"
          },
          {
            "state": "MO",
            "confidence": "lender_reported"
          },
          {
            "state": "NM",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "self-employed",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 4,
        "licensed_since": {
          "year": 2022,
          "state": "CO"
        },
        "years_experience": null,
        "lender_profile_url": "https://www.barrettfinancial.com/scotter",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Bank statement loan on lender page (lender page, verified 2026-10-09)",
        "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2022 (per Colorado records)"
      ],
      "canonical_url": "https://lendb.ai/lo/staci-cotter-404843",
      "license_check": {
        "state": "OR",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.barrettfinancial.com/scotter"
      },
      "match_status": "exact",
      "matched_specialties": [
        "bank-statement"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 5,
      "score": 50.8,
      "loan_officer": {
        "nmls_id": 1595897,
        "slug": "rajat-jetley-1595897",
        "full_name": "Rajat Jetley",
        "canonical_url": "https://lendb.ai/lo/rajat-jetley-1595897",
        "json_url": "https://lendb.ai/lo/rajat-jetley-1595897.json",
        "lender": {
          "nmls_id": 3029,
          "name": "CrossCountry Mortgage",
          "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029",
          "type": "imb"
        },
        "branch": {
          "city": "San Juan Capistrano",
          "state": "CA"
        },
        "licensed_states": [
          "FL",
          "CA",
          "HI",
          "MT",
          "OR",
          "TN",
          "TX",
          "UT",
          "WA"
        ],
        "licenses": [
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "HI",
            "confidence": "lender_reported"
          },
          {
            "state": "MT",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "TN",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "UT",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 2,
        "licensed_since": {
          "year": 2024,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://crosscountrymortgage.com/san-juan-capistrano-ca-3175/rajat-jetley/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Bank statement loan on lender page (lender page, verified 2026-10-09)",
        "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2024 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/rajat-jetley-1595897",
      "license_check": {
        "state": "OR",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://crosscountrymortgage.com/san-juan-capistrano-ca-3175/rajat-jetley/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "bank-statement"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 6,
      "score": 47.3,
      "loan_officer": {
        "nmls_id": 95736,
        "slug": "jennifer-burton-95736",
        "full_name": "Jennifer Burton",
        "canonical_url": "https://lendb.ai/lo/jennifer-burton-95736",
        "json_url": "https://lendb.ai/lo/jennifer-burton-95736.json",
        "lender": {
          "nmls_id": 190465,
          "name": "Intercap Lending",
          "canonical_url": "https://lendb.ai/lender/intercap-lending-190465",
          "type": "imb"
        },
        "branch": {
          "city": "Pacific Northwest",
          "state": null
        },
        "licensed_states": [
          "OR",
          "WA"
        ],
        "licenses": [
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "WA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "first-time-buyer",
            "evidence": "lender_page_text"
          },
          {
            "slug": "investor",
            "evidence": "lender_page_text"
          },
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "down-payment-assistance",
            "evidence": "lender_page_text"
          },
          {
            "slug": "fha",
            "evidence": "lender_page_text"
          },
          {
            "slug": "jumbo",
            "evidence": "lender_page_text"
          },
          {
            "slug": "non-qm",
            "evidence": "lender_page_text"
          },
          {
            "slug": "renovation",
            "evidence": "lender_page_text"
          },
          {
            "slug": "reverse",
            "evidence": "lender_page_text"
          },
          {
            "slug": "usda",
            "evidence": "lender_page_text"
          },
          {
            "slug": "va",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": null,
        "licensed_since": null,
        "years_experience": 20,
        "lender_profile_url": "https://www.intercaplending.com/loan-officer/jennifer-burton/",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Bank statement loan on lender page (lender page, verified 2026-10-09)",
        "OR 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)"
      ],
      "canonical_url": "https://lendb.ai/lo/jennifer-burton-95736",
      "license_check": {
        "state": "OR",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://www.intercaplending.com/loan-officer/jennifer-burton/"
      },
      "match_status": "exact",
      "matched_specialties": [
        "bank-statement"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 7,
      "score": 46.3,
      "loan_officer": {
        "nmls_id": 1096829,
        "slug": "steve-anderson-1096829",
        "full_name": "Steve Anderson",
        "canonical_url": "https://lendb.ai/lo/steve-anderson-1096829",
        "json_url": "https://lendb.ai/lo/steve-anderson-1096829.json",
        "lender": {
          "nmls_id": 2553292,
          "name": "Lit Financial Corporation",
          "canonical_url": "https://lendb.ai/lender/lit-financial-2553292",
          "type": "imb"
        },
        "branch": {
          "city": null,
          "state": null
        },
        "licensed_states": [
          "FL",
          "AZ",
          "CA",
          "CO",
          "DE",
          "IA",
          "MI",
          "NC",
          "OR",
          "PA",
          "TX",
          "VA"
        ],
        "licenses": [
          {
            "state": "AZ",
            "confidence": "lender_reported"
          },
          {
            "state": "CA",
            "confidence": "lender_reported"
          },
          {
            "state": "CO",
            "confidence": "lender_reported"
          },
          {
            "state": "DE",
            "confidence": "lender_reported"
          },
          {
            "state": "FL",
            "confidence": "confirmed"
          },
          {
            "state": "IA",
            "confidence": "lender_reported"
          },
          {
            "state": "MI",
            "confidence": "lender_reported"
          },
          {
            "state": "NC",
            "confidence": "lender_reported"
          },
          {
            "state": "OR",
            "confidence": "lender_reported"
          },
          {
            "state": "PA",
            "confidence": "lender_reported"
          },
          {
            "state": "TX",
            "confidence": "lender_reported"
          },
          {
            "state": "VA",
            "confidence": "lender_reported"
          }
        ],
        "federal_registration_likely": false,
        "languages": [],
        "specialties": [
          {
            "slug": "bank-statement",
            "evidence": "lender_page_text"
          },
          {
            "slug": "dscr",
            "evidence": "lender_page_text"
          },
          {
            "slug": "heloc",
            "evidence": "lender_page_text"
          }
        ],
        "years_licensed": 11,
        "licensed_since": {
          "year": 2015,
          "state": "FL"
        },
        "years_experience": null,
        "lender_profile_url": "https://litfinancial.com/loan-experts/steve-anderson",
        "disciplinary_check": "not_checked"
      },
      "reasons": [
        "Lists Bank statement loan on lender page (lender page, verified 2026-10-09)",
        "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "Licensed since 2015 (per Florida records)"
      ],
      "canonical_url": "https://lendb.ai/lo/steve-anderson-1096829",
      "license_check": {
        "state": "OR",
        "confidence": "lender_reported",
        "eligible": true,
        "label": "OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)",
        "verified_at": "2026-10-09",
        "source_url": "https://litfinancial.com/loan-experts/steve-anderson"
      },
      "match_status": "exact",
      "matched_specialties": [
        "bank-statement"
      ],
      "unconfirmed_specialties": []
    },
    {
      "rank": 8,
      "score": 45.3,
      "loan_officer": {
        "nmls_id": 455400,
        "slug": "jim-brettl-455400",
        "full_name": "Jim Brettl",
        "canonical_url": "https://lendb.ai/lo/jim-brettl-455400",
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