Borrower situations · Missouri
Loan officers for self-employed borrowers in Missouri
As of 2026-10-09, LenDb lists 28 loan officers licensed in or based in Missouri whose lender pages show Self-employed work. The top-ranked are James Igbinovia (CrossCountry Mortgage, Scottsdale), Ammon Dorsey (Guild Mortgage, Liberty) and Melisa Jones (CrossCountry Mortgage, O'Fallon). Ranking is lender-neutral: specialty evidence first, then a license in MO, 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
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MO (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
Ammon DorseyNMLS 2086937
Guild Mortgage · Liberty, MO · licensed in 4 states
- Self-employed
- First-time buyer
- Down payment assistance
- USDA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MO (listed on lender page, verified 2026-10-09)
- Branch in Missouri
- 1 years licensed
- 3
Melisa JonesNMLS 965518
CrossCountry Mortgage · O'Fallon, MO · licensed in 4 states
- Self-employed
- Real estate investor
- Down payment assistance
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MO (listed on lender page, verified 2026-10-09)
- Branch in Missouri
- No disciplinary actions on file at LenDb
- 4
Kimberly DownsNMLS 1130753
Guild Mortgage · Kansas City, MO · licensed in 2 states
- Self-employed
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MO (listed on lender page, verified 2026-10-09)
- Branch in Missouri
- No disciplinary actions on file at LenDb
- 5
Gina KaberlineNMLS 1632106
Fairway Independent Mortgage Corporation · Overland Park, KS · licensed in 2 states
- Self-employed
- First-time buyer
- New construction
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MO (listed on lender page, verified 2026-10-09)
- 9 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 6
Jonathan EdwardsNMLS 671258
Guild Mortgage · Greenwood Village, CO · licensed in 12 states
- Self-employed
- ITIN borrower
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MO (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 7
Jeffrey Ben-DavisNMLS 1249070
Loan Factory · licensed in 13 states
- Self-employed
- First-time buyer
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MO (listed on lender page, verified 2026-10-09)
- 7 years licensed
- No disciplinary actions on file at LenDb
- 8
James HairNMLS 1680348
CrossCountry Mortgage · Houston, TX · licensed in 11 states
- Self-employed
- DSCR loan
- Low credit score
- Renovation loan (203k / HomeStyle)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MO (listed on lender page, verified 2026-10-09)
- 1 years licensed
- No disciplinary actions on file at LenDb
- 9
Staci CotterNMLS 404843
Barrett Financial Group · Chandler, AZ · licensed in 9 states
- Self-employed
- Bank statement loan
- Jumbo loan
- FHA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MO (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 10
Tracey RadinovicNMLS 997560
Fairway Independent Mortgage Corporation · Overland Park, KS · licensed in 13 states
- Self-employed
- Bank statement loan
- DSCR loan
- FHA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MO (listed on lender page, verified 2026-10-09)
- 0 years licensed
- No disciplinary actions on file at LenDb
- 11
Nichole CrisantiNMLS 1503218
CrossCountry Mortgage · Loveland, CO · licensed in 4 states
- Self-employed
- Non-QM loan
- Real estate investor
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MO (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 12
Ryan AshfordNMLS 1833458
CrossCountry Mortgage · Winter Park, FL · licensed in 5 states
- Self-employed
- FHA loan
- Jumbo loan
- Non-QM loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MO (listed on lender page, verified 2026-10-09)
- 0 years licensed
- No disciplinary actions on file at LenDb
- 13
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 MO (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
- 14
Ivan LinNMLS 2462401
Loan Factory · licensed in 10 states
- Self-employed
- First-time buyer
- Real estate investor
- Construction loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MO (listed on lender page, verified 2026-10-09)
- 0 years licensed
- No disciplinary actions on file at LenDb
- 15
Jordan HeatherlyNMLS 1312244
Churchill Mortgage · Brentwood, TN · licensed in 13 states
- Self-employed
- FHA loan
- Non-QM loan
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MO (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 16
Soujanya AnubotuNMLS 2610741
Loan Factory · licensed in 4 states
- Self-employed
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MO (listed on lender page, verified 2026-10-09)
- 1 years licensed
- No disciplinary actions on file at LenDb
- 17
Jessica WaltersNMLS 644401
Barrett Financial Group · Chandler, AZ · licensed in 2 states
- Self-employed
- FHA loan
- Jumbo loan
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MO (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 18
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 MO (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 19
Alisa SonnikNMLS 2589734
CrossCountry Mortgage · Sedalia, MO
- Self-employed
- FHA loan
- Jumbo loan
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Branch in Missouri; no license list on file yet, verify at NMLS Consumer Access
- No disciplinary actions on file at LenDb
- 20
Abbie AllardNMLS 2065212
Fairway Independent Mortgage Corporation · Overland Park, KS · licensed in 3 states
- Self-employed
- Down payment assistance
- First-time buyer
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MO (listed on lender page, verified 2026-10-09)
- 6 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 21
Mark BultNMLS 968194
JPMorgan Chase Bank (Chase Home Lending) · Brentwood, MO
- Self-employed
- Co-op
- Condo
- Jumbo loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Branch in Missouri; no license list on file yet, verify at NMLS Consumer Access
- No disciplinary actions on file at LenDb
- 22
Arnell Brady IINMLS 1128672
JPMorgan Chase Bank (Chase Home Lending) · Chicago, IL · licensed in 11 states
- Self-employed
- Co-op
- Condo
- FHA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MO (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 23
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 MO (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 24
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 MO (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 25
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 MO (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?
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 MO 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=MO. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.