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Loan programs · Hawaii

Jumbo loan officers in Hawaii

As of 2026-10-09, LenDb lists 29 loan officers licensed in or based in Hawaii whose lender pages show Jumbo loan work. The top-ranked are Michelle Muqtadir (CrossCountry Mortgage, Seattle), Iris Legaspi (First Citizens Bank, San Diego) and Jessica Takayesu (Guild Mortgage, Kailua). Ranking is lender-neutral: specialty evidence first, then a license in HI, 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. 1

    Michelle MuqtadirNMLS 143470

    CrossCountry Mortgage · Seattle, WA · licensed in 11 states

    • Jumbo loan
    • Renovation loan (203k / HomeStyle)
    • Low credit score
    • FHA loan
    • HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2023 (per Florida records)
    • States 20 years of experience (lender page, 2026-10-09)
  2. 2

    Iris LegaspiNMLS 690505

    First Citizens Bank · Bank · San Diego, CA · licensed in 35 states

    • Jumbo loan
    • Down payment assistance
    • First-time buyer
    • Physician and medical professional
    • HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
    • States 17 years of experience (lender page, 2026-10-09)
  3. 3

    Jessica TakayesuNMLS 1089638

    Guild Mortgage · Kailua, HI · licensed in 3 states

    • Jumbo loan
    • FHA loan
    • USDA loan
    • VA loan
    • HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
    • Office in Kailua, HI
  4. 4

    Ubaldo V Leon IIINMLS 304012

    CrossCountry Mortgage · Lewisville, TX · licensed in 14 states

    • Jumbo loan
    • Non-QM loan
    • Real estate investor
    • VA loan
    • HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2023 (per Florida records)
    • States 22 years of experience (lender page, 2026-10-09)
  5. 5

    James IgbinoviaNMLS 626688

    CrossCountry Mortgage · Scottsdale, AZ · licensed in 29 states

    • Jumbo loan
    • Self-employed
    • Construction loan
    • USDA loan
    • HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
    • States 20 years of experience (lender page, 2026-10-09)
  6. 6

    Sarena TalbertNMLS 1043739

    CrossCountry Mortgage · Newport Beach, CA · licensed in 51 states

    • Jumbo loan
    • Non-QM loan
    • Reverse mortgage
    • HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2023 (per Florida records)
    • States 28 years of experience (lender page, 2026-10-09)
  7. 7

    Rajat JetleyNMLS 1595897

    CrossCountry Mortgage · San Juan Capistrano, CA · licensed in 9 states

    • Jumbo loan
    • Bank statement loan
    • VA loan
    • FHA loan
    • HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2024 (per Florida records)
  8. 8

    Roy MonteroNMLS 351403

    CrossCountry Mortgage · Honolulu, HI · licensed in 11 states

    • Jumbo loan
    • Manufactured home
    • Renovation loan (203k / HomeStyle)
    • USDA loan
    • HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
    • Office in Honolulu, HI
    • Licensed since 2015 (per Colorado records)
  9. 9

    Michael MizrahiNMLS 188831

    CrossCountry Mortgage · Delray Beach, FL · licensed in 51 states

    • Jumbo loan
    • Non-QM loan
    • HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2010 (per Florida records)
  10. 10

    Mark VillanoNMLS 1306487

    CrossCountry Mortgage · Lakewood, WA · licensed in 29 states

    • Jumbo loan
    • VA loan
    • Real estate investor
    • HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2019 (per Colorado records)
    • States 12 years of experience (lender page, 2026-10-09)
  11. 11

    Michael MurgatroyNMLS 60099

    CrossCountry Mortgage · Delray Beach, FL · licensed in 49 states

    • Jumbo loan
    • Real estate investor
    • VA loan
    • HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2011 (per Colorado records)
  12. 12

    Michelle BobartNMLS 137164

    CrossCountry Mortgage · Chicago, IL · licensed in 50 states

    • Jumbo loan
    • Real estate investor
    • VA loan
    • HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2011 (per Colorado records)
  13. 13

    Scott EvansNMLS 256163

    CrossCountry Mortgage · San Diego, CA · licensed in 38 states

    • Jumbo loan
    • VA loan
    • FHA loan
    • HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2013 (per Florida records)
  14. 14

    Alex RamirezNMLS 450556

    Xpert Home Lending · Mortgage broker · licensed in 5 states

    • Jumbo loan
    • VA loan
    • Asset-based qualifying
    • Bank statement loan
    • HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2025 (per Florida records)
    • States 21 years of experience (lender page, 2026-10-09)
  15. 15

    Peter CostakosNMLS 139540

    CrossCountry Mortgage · Purchase, NY · licensed in 25 states

    • Jumbo loan
    • Non-QM loan
    • First-time buyer
    • HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2017 (per Florida records)
  16. 16

    Lindsay WitterNMLS 700709

    American Pacific Mortgage · Roseville, CA · licensed in 36 states

    • Jumbo loan
    • Condo
    • Down payment assistance
    • FHA loan
    • HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2016 (per Colorado records)
  17. 17

    Jay BunteNMLS 1957808

    CrossCountry Mortgage · Fort Worth, TX · licensed in 46 states

    • Jumbo loan
    • VA loan
    • HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2021 (per Colorado records)
  18. 18

    Jerry SundtNMLS 168111

    CrossCountry Mortgage · Tucson, AZ · licensed in 36 states

    • Jumbo loan
    • Non-QM loan
    • Real estate investor
    • First-time buyer
    • HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2022 (per Florida records)
  19. 19

    Ryan BuckholdtNMLS 319442

    CrossCountry Mortgage · Santa Cruz, CA · licensed in 11 states

    • Jumbo loan
    • Non-QM loan
    • Renovation loan (203k / HomeStyle)
    • HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2021 (per Colorado records)
  20. 20

    Jay ClaytonNMLS 1983764

    CrossCountry Mortgage · Scottsdale, AZ · licensed in 19 states

    • Jumbo loan
    • VA loan
    • HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2023 (per Florida records)
  21. 21

    Danny WaddellNMLS 1965113

    CrossCountry Mortgage · Palos Verdes Estates, CA · licensed in 15 states

    • Jumbo loan
    • Non-QM loan
    • HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2022 (per Florida records)
  22. 22

    Nick WeeksNMLS 415107

    CrossCountry Mortgage · Overland Park, KS · licensed in 47 states

    • Jumbo loan
    • VA loan
    • HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2023 (per Florida records)
  23. 23

    Nicholas WebbNMLS 961052

    CrossCountry Mortgage · Las Vegas, NV · licensed in 2 states

    • Jumbo loan
    • HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
  24. 24

    Lance DoiguchiNMLS 272696

    LeaderOne Financial · Honolulu, HI

    • Jumbo loan
    • Reverse mortgage
    • Construction loan
    • Down payment assistance
    • HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
    • Office in Honolulu, HI
  25. 25

    Evan SouzaNMLS 1675909

    Xpert Home Lending · Mortgage broker · Sacramento, CA · licensed in 2 states

    • Jumbo loan
    • Asset-based qualifying
    • Bank statement loan
    • Down payment assistance
    • HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
    • Lists Jumbo loan on lender page (lender page, verified 2026-10-09)
    • Licensed since 2021 (per Florida records)

Before you choose

Jumbo guidelines are set by each lender, with stricter reserves, credit and documentation than conforming loans.

  • What reserves and credit score do your jumbo programs require?
  • Do you offer interest-only or ARM jumbo options?
  • Can you do a jumbo with less than 20 percent down?

More about Jumbo 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 HI license is confirmed with the state regulator (check mark), HI 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=jumbo&state=HI. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.