---
canonical_url: https://lendb.ai/s/bank-statement/oregon
last_verified: 2026-10-09
---

# Bank statement loan officers in Oregon

As of 2026-10-09, LenDb lists 12 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), Denise Cuddeback Montgomery (American Pacific Mortgage, Eugene) and Staci Cotter (Barrett Financial Group, Chandler). Ranking is lender-neutral: specialty evidence first, then a license in OR, 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)
   - 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)
2. **[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)
   - Office in Eugene, OR
   - OR 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)
3. **[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)
   - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2022 (per Colorado records)
4. **[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)
   - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2024 (per Florida records)
5. **[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)
   - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2015 (per Florida records)
6. **[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)
   - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
7. **[David K. Clark III](https://lendb.ai/lo/david-k-clark-iii-1375791)** (NMLS 1375791), Lit Financial Corporation
   - 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 2017 (per Florida records)
8. **[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)
   - Office in Prineville, OR
   - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
9. **[Henry Do](https://lendb.ai/lo/henry-do-1863960)** (NMLS 1863960), Lit Financial Corporation
   - 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 2023 (per Colorado records)
10. **[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)
   - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2023 (per Colorado records)
11. **[Carmel Perez](https://lendb.ai/lo/carmel-perez-1933170)** (NMLS 1933170), CrossCountry Mortgage, Kennewick, WA
   - 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)
12. **[Sam Bromley](https://lendb.ai/lo/samuel-bromley-1151654)** (NMLS 1151654), Xpert Home Lending
   - 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 2025 (per Florida records)

## 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/oregon.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._