Loan programs · Washington
Bank statement loan officers in Washington
As of 2026-10-09, LenDb lists 30 loan officers licensed in or based in Washington whose lender pages show Bank statement loan work. The top-ranked are Shelley Covington (Intercap Lending, Kirkland), Joe Soto (CrossCountry Mortgage, Cypress) and John Nguyen (Guild Mortgage, Boca Raton). Ranking is lender-neutral: specialty evidence first, then a license in WA, 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 25
- 1
Shelley CovingtonNMLS 102076
Intercap Lending · Kirkland, WA · licensed in 3 states
- Bank statement loan
- Down payment assistance
- FHA loan
- First-time buyer
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 25 years experience (stated on lender page, 2026-10-09)
- 2
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 WA (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
- 3
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 WA (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 4
Kirk TaylorNMLS 312131
CrossCountry Mortgage · Naples, FL · licensed in 16 states
- Bank statement loan
- 1099 income
- DSCR loan
- Self-employed
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 12 years licensed
- No disciplinary actions on file at LenDb
- 5
Christopher GibsonNMLS 1910430
C2 Financial Corporation · Denver, WA · licensed in 2 states
- Bank statement loan
- 1099 income
- DSCR loan
- Manufactured home
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 2 years licensed
- 6
George PressleyNMLS 94040
Loan Factory · Washington
- Bank statement loan
- 1099 income
- Asset-based qualifying
- Construction loan
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 30 years experience (stated on lender page, 2026-10-09)
- 7
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 WA (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 8
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 WA (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 9
Chad MayerNMLS 280921
Guild Mortgage · Scottsdale, AZ · licensed in 12 states
- Bank statement loan
- DSCR loan
- Non-QM loan
- First-time buyer
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 10
Staci CotterNMLS 404843
Barrett Financial Group · Chandler, AZ · licensed in 9 states
- Bank statement loan
- Jumbo loan
- Self-employed
- FHA loan
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 11
Jennifer BurtonNMLS 95736
Intercap Lending · licensed in 2 states
- Bank statement loan
- First-time buyer
- Real estate investor
- Down payment assistance
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (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
- 12
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 WA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 13
Kayla ChaseNMLS 145990
Lit Financial Corporation · licensed in 11 states
- Bank statement loan
- Condo
- Jumbo loan
- HELOC
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 14 years licensed
- No disciplinary actions on file at LenDb
- 14
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 WA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 15
Lee GillNMLS 14009
Intercap Lending · Washington
- Bank statement loan
- Down payment assistance
- FHA loan
- Jumbo loan
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- No disciplinary actions on file at LenDb
- 16
Carmel PerezNMLS 1933170
CrossCountry Mortgage · Kennewick, WA · licensed in 2 states
- Bank statement loan
- ITIN borrower
- First-time buyer
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- No disciplinary actions on file at LenDb
- 17
Jennifer PachecoNMLS 486264
Intercap Lending · Spokane, WA · licensed in 3 states
- Bank statement loan
- Down payment assistance
- FHA loan
- Jumbo loan
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- No disciplinary actions on file at LenDb
- 18
Kyle BrunetNMLS 1237678
Lit Financial Corporation · licensed in 9 states
- Bank statement loan
- Condo
- DSCR loan
- Jumbo loan
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 10 years licensed
- No disciplinary actions on file at LenDb
- 19
Ravi K BansalNMLS 2840451
Loan Factory · Seattle, WA · licensed in 19 states
- Bank statement loan
- Real estate investor
- Asset-based qualifying
- Construction loan
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- Branch in Washington
- 0 years licensed
- 20
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 WA (listed on lender page, verified 2026-10-09)
- 7 years licensed
- No disciplinary actions on file at LenDb
- 21
Vincent HaNMLS 479584
CrossCountry Mortgage · Seattle, WA
- Bank statement loan
- DSCR loan
- FHA loan
- First-time buyer
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Branch in Washington; no license list on file yet, verify at NMLS Consumer Access
- 37 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 22
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 WA (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 23
Madhusudhan ReddyNMLS 2434155
Loan Factory · San Francisco, CA · licensed in 5 states
- Bank statement loan
- First-time buyer
- Real estate investor
- FHA loan
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 24
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 WA (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 25
Jeremy HicksNMLS 1960052
Guild Mortgage · Prineville, OR · licensed in 5 states
- Bank statement loan
- Down payment assistance
- FHA loan
- First-time buyer
- Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
- Licensed in WA (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 WA 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=WA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.