Borrower situations · Arizona
Loan officers for self-employed borrowers in Arizona
As of 2026-10-09, LenDb lists 91 loan officers licensed in or based in Arizona whose lender pages show Self-employed work. The top-ranked are James Igbinovia (CrossCountry Mortgage, Scottsdale), Arthur Klein (JPMorgan Chase Bank (Chase Home Lending), Phoenix) and Joe Soto (CrossCountry Mortgage, Cypress). Ranking is lender-neutral: specialty evidence first, then a license in AZ, 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
James IgbinoviaNMLS 626688
CrossCountry Mortgage · Scottsdale, AZ · licensed in 29 states
- Self-employed
- Construction loan
- Jumbo loan
- USDA loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Office in Scottsdale, AZ
- States 20 years of experience (lender page, 2026-10-09)
- 2
Arthur KleinNMLS 1452376
JPMorgan Chase Bank (Chase Home Lending) · Bank · Phoenix, AZ
- Self-employed
- FHA loan
- HELOC
- Jumbo loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Office in Phoenix, AZ
- States 26 years of experience (lender page, 2026-10-09)
- 3
Joe SotoNMLS 175142
CrossCountry Mortgage · Cypress, CA · licensed in 12 states
- Self-employed
- 1099 income
- Bank statement loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- States 20 years of experience (lender page, 2026-10-09)
- 4
Cyndi Natalie NunezNMLS 255666
Guild Mortgage · Santa Maria, CA · licensed in 2 states
- Self-employed
- Non-QM loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- States 40 years of experience (lender page, 2026-10-09)
- 5
Kirk TaylorNMLS 312131
CrossCountry Mortgage · Naples, FL · licensed in 16 states
- Self-employed
- 1099 income
- Bank statement loan
- DSCR loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2014 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 6
Charity MaupinNMLS 358059
CrossCountry Mortgage · Henderson, NV · licensed in 4 states
- Self-employed
- Real estate investor
- FHA loan
- First-time buyer
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- States 25 years of experience (lender page, 2026-10-09)
- 7
Eric WhitcombNMLS 395360
CrossCountry Mortgage · Cypress, CA · licensed in 3 states
- Self-employed
- VA loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- States 25 years of experience (lender page, 2026-10-09)
- 8
Joe MagallanesNMLS 491678
CrossCountry Mortgage · Newport Beach, CA · licensed in 26 states
- Self-employed
- Jumbo loan
- Non-QM loan
- Real estate investor
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed 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)
- 9
Sheilla LavadiaNMLS 1399453
Loan Factory · Mortgage broker · licensed in 10 states
- Self-employed
- 1099 income
- First-time buyer
- Real estate investor
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed 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)
- 10
Kadeth TunNMLS 357732
Loan Factory · Mortgage broker · licensed in 3 states
- Self-employed
- FHA loan
- VA loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2015 (per Florida records)
- States 21 years of experience (lender page, 2026-10-09)
- 11
Laurent OsheaNMLS 1034023
Loan Factory · Mortgage broker · licensed in 7 states
- Self-employed
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2026 (per Colorado records)
- States 25 years of experience (lender page, 2026-10-09)
- 12
Evan LuchacoNMLS 887608
Churchill Mortgage · Portland, OR · licensed in 12 states
- Self-employed
- FHA loan
- Renovation loan (203k / HomeStyle)
- VA loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Colorado records)
- States 12 years of experience (lender page, 2026-10-09)
- 13
Corey HustedNMLS 1248167
Intercap Lending · San Diego, CA · licensed in 3 states
- Self-employed
- FHA loan
- First-time buyer
- Jumbo loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2014 (per Florida records)
- 14
Staci CotterNMLS 404843
Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 9 states
- Self-employed
- Bank statement loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Office in Chandler, AZ
- Licensed since 2022 (per Colorado records)
- 15
Charles TollNMLS 1783114
CrossCountry Mortgage · San Juan Capistrano, CA · licensed in 17 states
- Self-employed
- Non-QM loan
- Real estate investor
- First-time buyer
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2018 (per Colorado records)
- 16
Erik BrowningNMLS 2264602
CrossCountry Mortgage · Scottsdale, AZ · licensed in 14 states
- Self-employed
- DSCR loan
- FHA loan
- HELOC
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Office in Scottsdale, AZ
- Licensed since 2025 (per Florida records)
- 17
Renee SaccoNMLS 453805
Union Home Mortgage · Phoenix, AZ · licensed in 3 states
- Self-employed
- Condo
- Jumbo loan
- New construction
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Office in Phoenix, AZ
- 18
Leticia AnchondoNMLS 1790194
Barrett Financial Group · Mortgage broker · Gilbert, AZ
- Self-employed
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Office in Gilbert, AZ
- 19
Jeff AdamsNMLS 1851495
CrossCountry Mortgage · Cincinnati, OH · licensed in 25 states
- Self-employed
- First-time buyer
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2021 (per Florida records)
- 20
Vickie NewmanNMLS 493951
Guild Mortgage · Greenwood Village, CO · licensed in 4 states
- Self-employed
- Bank statement loan
- First-time buyer
- Jumbo loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2011 (per Colorado records)
- States 30 years of experience (lender page, 2026-10-09)
- 21
Steve CrossmanNMLS 995551
CrossCountry Mortgage · McKinney, TX · licensed in 6 states
- Self-employed
- Foreign national
- Jumbo loan
- Non-QM loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2020 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 22
Denise Cuddeback MontgomeryNMLS 57734
American Pacific Mortgage · Eugene, OR · licensed in 11 states
- Self-employed
- Bank statement loan
- Down payment assistance
- DSCR loan
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2023 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 23
James HairNMLS 1680348
CrossCountry Mortgage · Houston, TX · licensed in 13 states
- Self-employed
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2024 (per Florida records)
- 24
Seannalisa Marie CormierNMLS 1433188
Guild Mortgage · Tucson, AZ · licensed in 2 states
- Self-employed
- First-time buyer
- Real estate investor
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Office in Tucson, AZ
- 25
Denise McManusNMLS 1982222
Xpert Home Lending · Mortgage broker · licensed in 5 states
- Self-employed
- Real estate investor
- AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2022 (per Florida records)
Before you choose
Tax write-offs reduce qualifying income, so the loan officer must know both agency self-employed rules and alternative documentation options.
- How will you calculate my income from my tax returns?
- Would a bank statement or P&L loan qualify me for more?
- Do I need two years of self-employment history?
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 AZ license is confirmed with the state regulator (check mark), AZ 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=self-employed&state=AZ. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.