---
canonical_url: https://lendb.ai/s/self-employed/hawaii
last_verified: 2026-10-09
---

# Loan officers for self-employed borrowers in Hawaii

As of 2026-10-09, LenDb lists 8 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 Sheilla Lavadia (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in HI, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[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)
   - HI 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. **[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)
   - HI 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)
3. **[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)
   - HI 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)
4. **[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)
   - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2018 (per Colorado records)
5. **[Brandy Marshall](https://lendb.ai/lo/brandy-marshall-260588)** (NMLS 260588), Guild Mortgage, Minden, NV
   - Lists Self-employed on lender page (lender page, verified 2026-10-09)
   - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
6. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA
   - Lists Self-employed on lender page (lender page, verified 2026-10-09)
   - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2016 (per Colorado records)
7. **[Iris Legaspi](https://lendb.ai/lo/iris-legaspi-690505)** (NMLS 690505), First Citizens Bank, San Diego, CA
   - Lists Self-employed on lender page (lender page, verified 2026-10-09)
   - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
8. **[Cody Teal](https://lendb.ai/lo/cody-teal-65382)** (NMLS 65382), First Citizens Bank, Wilmington, NC
   - Lists Self-employed on lender page (lender page, verified 2026-10-09)
   - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS)

## 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/hawaii.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._