--- canonical_url: https://lendb.ai/s/self-employed/arizona last_verified: 2026-10-09 --- # 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. ## Ranked, with reasons 1. **[James Igbinovia](https://lendb.ai/lo/james-igbinovia-626688)** (NMLS 626688), CrossCountry Mortgage, Scottsdale, AZ - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Scottsdale, AZ - AZ 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. **[Arthur Klein](https://lendb.ai/lo/arthur-klein-1452376)** (NMLS 1452376), JPMorgan Chase Bank (Chase Home Lending), Phoenix, AZ - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Phoenix, AZ - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 26 years of experience (lender page, 2026-10-09) 3. **[Joe Soto](https://lendb.ai/lo/joe-soto-175142)** (NMLS 175142), CrossCountry Mortgage, Cypress, CA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - AZ 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) 4. **[Cyndi Natalie Nunez](https://lendb.ai/lo/cyndi-nunez-255666)** (NMLS 255666), Guild Mortgage, Santa Maria, CA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 40 years of experience (lender page, 2026-10-09) 5. **[Kirk Taylor](https://lendb.ai/lo/kirk-taylor-312131)** (NMLS 312131), CrossCountry Mortgage, Naples, FL - Lists Self-employed on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 6. **[Charity Maupin](https://lendb.ai/lo/charity-maupin-358059)** (NMLS 358059), CrossCountry Mortgage, Henderson, NV - Lists Self-employed on lender page (lender page, verified 2026-10-09) - AZ 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) 7. **[Eric Whitcomb](https://lendb.ai/lo/eric-whitcomb-395360)** (NMLS 395360), CrossCountry Mortgage, Cypress, CA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - AZ 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) 8. **[Joe Magallanes](https://lendb.ai/lo/jose-magallanes-491678)** (NMLS 491678), CrossCountry Mortgage, Newport Beach, CA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 9. **[Sheilla Lavadia](https://lendb.ai/lo/sheilla-lavadia-1399453)** (NMLS 1399453), Loan Factory - Lists Self-employed on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 10. **[Kadeth Tun](https://lendb.ai/lo/kadeth-tun-357732)** (NMLS 357732), Loan Factory - Lists Self-employed on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) - States 21 years of experience (lender page, 2026-10-09) 11. **[Laurent Oshea](https://lendb.ai/lo/laurent-o-shea-1034023)** (NMLS 1034023), Loan Factory - Lists Self-employed on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Colorado records) - States 25 years of experience (lender page, 2026-10-09) 12. **[Evan Luchaco](https://lendb.ai/lo/evan-luchaco-887608)** (NMLS 887608), Churchill Mortgage, Portland, OR - Lists Self-employed on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Colorado records) - States 12 years of experience (lender page, 2026-10-09) 13. **[Corey Husted](https://lendb.ai/lo/corey-husted-1248167)** (NMLS 1248167), Intercap Lending, San Diego, CA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) 14. **[Staci Cotter](https://lendb.ai/lo/staci-cotter-404843)** (NMLS 404843), Barrett Financial Group, Chandler, AZ - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Chandler, AZ - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Colorado records) 15. **[Charles Toll](https://lendb.ai/lo/charles-toll-1783114)** (NMLS 1783114), CrossCountry Mortgage, San Juan Capistrano, CA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Colorado records) 16. **[Erik Browning](https://lendb.ai/lo/erik-browning-2264602)** (NMLS 2264602), CrossCountry Mortgage, Scottsdale, AZ - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Scottsdale, AZ - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 17. **[Renee Sacco](https://lendb.ai/lo/renee-sacco-453805)** (NMLS 453805), Union Home Mortgage, Phoenix, AZ - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Phoenix, AZ - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) 18. **[Leticia Anchondo](https://lendb.ai/lo/leticia-anchondo-1790194)** (NMLS 1790194), Barrett Financial Group, Gilbert, AZ - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Gilbert, AZ - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) 19. **[Jeff Adams](https://lendb.ai/lo/jeffrey-adams-1851495)** (NMLS 1851495), CrossCountry Mortgage, Cincinnati, OH - Lists Self-employed on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 20. **[Vickie Newman](https://lendb.ai/lo/vickie-newman-493951)** (NMLS 493951), Guild Mortgage, Greenwood Village, CO - Lists Self-employed on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Colorado records) - States 30 years of experience (lender page, 2026-10-09) 21. **[Steve Crossman](https://lendb.ai/lo/steven-crossman-995551)** (NMLS 995551), CrossCountry Mortgage, McKinney, TX - Lists Self-employed on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 22. **[Denise Cuddeback Montgomery](https://lendb.ai/lo/denise-montgomery-57734)** (NMLS 57734), American Pacific Mortgage, Eugene, OR - Lists Self-employed on lender page (lender page, verified 2026-10-09) - AZ 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) 23. **[James Hair](https://lendb.ai/lo/james-hair-1680348)** (NMLS 1680348), CrossCountry Mortgage, Houston, TX - Lists Self-employed on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 24. **[Seannalisa Marie Cormier](https://lendb.ai/lo/seannalisa-marie-cormier-1433188)** (NMLS 1433188), Guild Mortgage, Tucson, AZ - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Tucson, AZ - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) 25. **[Denise McManus](https://lendb.ai/lo/denise-mcmanus-1982222)** (NMLS 1982222), Xpert Home Lending - Lists Self-employed on lender page (lender page, verified 2026-10-09) - AZ listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/self-employed/arizona. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._