LenDb.ai

Borrower situations · Hawaii

Loan officers for self-employed borrowers in Hawaii

As of 2026-10-09, LenDb lists 11 loan officers licensed in or based in Hawaii whose lender pages show Self-employed work. The top-ranked are Joe Soto (CrossCountry Mortgage, Cypress), James Igbinovia (CrossCountry Mortgage, Scottsdale) and Brandy Marshall (Guild Mortgage, Minden). 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 11

  1. 1

    Joe SotoNMLS 175142

    CrossCountry Mortgage · Cypress, CA · licensed in 12 states

    • Self-employed
    • 1099 income
    • Bank statement loan
    • Lists Self-employed on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (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
  2. 2

    James IgbinoviaNMLS 626688

    CrossCountry Mortgage · Scottsdale, AZ · licensed in 29 states

    • Self-employed
    • Construction loan
    • Jumbo loan
    • USDA loan
    • Lists Self-employed on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (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. 3

    Brandy MarshallNMLS 260588

    Guild Mortgage · Minden, NV · licensed in 4 states

    • Self-employed
    • First-time buyer
    • Lists Self-employed on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  4. 4

    Sheilla LavadiaNMLS 1399453

    Loan Factory · licensed in 10 states

    • Self-employed
    • 1099 income
    • First-time buyer
    • Real estate investor
    • Lists Self-employed on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  5. 5

    Iris LegaspiNMLS 690505

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

    • Self-employed
    • Down payment assistance
    • First-time buyer
    • Jumbo loan
    • Lists Self-employed on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • 17 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  6. 6

    Sharlene TediosNMLS 1972169

    Loan Factory · licensed in 4 states

    • Self-employed
    • First-time buyer
    • Real estate investor
    • Lists Self-employed on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  7. 7

    Lindsay WitterNMLS 700709

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

    • Self-employed
    • Condo
    • Down payment assistance
    • FHA loan
    • Lists Self-employed on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  8. 8

    Cody TealNMLS 65382

    First Citizens Bank · Wilmington, NC · licensed in 33 states

    • Self-employed
    • Construction loan
    • First-time buyer
    • Jumbo loan
    • Lists Self-employed on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  9. 9

    Manen PanNMLS 1006352

    First Citizens Bank · Pasadena, CA · licensed in 32 states

    • Self-employed
    • Real estate investor
    • Construction loan
    • Down payment assistance
    • Lists Self-employed on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  10. 10

    Elena De LuzNMLS 1180152

    Barrett Financial Group · Chandler, AZ · licensed in 2 states

    • Self-employed
    • Down payment assistance
    • DSCR loan
    • FHA loan
    • Lists Self-employed on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  11. 11

    Teyona StewartNMLS 2215853

    First Citizens Bank · La Jolla, CA · licensed in 35 states

    • Self-employed
    • First-time buyer
    • Down payment assistance
    • FHA loan
    • Lists Self-employed on lender page (lender page, verified 2026-10-09)
    • Licensed in HI (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb

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?

More about Self-employed

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 HI 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=self-employed&state=HI. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.