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

# Loan officers for self-employed borrowers in New Mexico

As of 2026-10-09, LenDb lists 14 loan officers licensed in or based in New Mexico whose lender pages show Self-employed work. The top-ranked are Lisa Cummings (Fairway Independent Mortgage Corporation, Albuquerque), Josh Penland (Fairway Independent Mortgage Corporation, Round Rock) and Joe Magallanes (CrossCountry Mortgage, Newport Beach). Ranking is lender-neutral: specialty evidence first, then a license in NM, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Lisa Cummings](https://lendb.ai/lo/lisa-cummings-199679)** (NMLS 199679), Fairway Independent Mortgage Corporation, Albuquerque, NM
   - Lists Self-employed on lender page (lender page, verified 2026-10-09)
   - Office in Albuquerque, NM
   - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2007 (per Colorado records)
2. **[Josh Penland](https://lendb.ai/lo/joshua-penland-216357)** (NMLS 216357), Fairway Independent Mortgage Corporation, Round Rock, TX
   - Lists Self-employed on lender page (lender page, verified 2026-10-09)
   - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2025 (per Florida records)
   - States 23 years of experience (lender page, 2026-10-09)
3. **[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)
   - NM 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)
4. **[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)
   - NM 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)
5. **[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)
   - NM 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)
6. **[Bruce Gibson](https://lendb.ai/lo/bruce-gibson-501286)** (NMLS 501286), Xpert Home Lending
   - Lists Self-employed on lender page (lender page, verified 2026-10-09)
   - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2022 (per Florida records)
   - States 28 years of experience (lender page, 2026-10-09)
7. **[Lenae Vandegrift](https://lendb.ai/lo/lenae-vandegrift-649456)** (NMLS 649456), American Pacific Mortgage, Thornton, CO
   - Lists Self-employed on lender page (lender page, verified 2026-10-09)
   - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2016 (per Colorado records)
8. **[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)
   - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2018 (per Colorado records)
9. **[Heath Barnes](https://lendb.ai/lo/heath-barnes-210164)** (NMLS 210164), Guild Mortgage, Houston, TX
   - Lists Self-employed on lender page (lender page, verified 2026-10-09)
   - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2022 (per Colorado records)
10. **[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)
   - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2022 (per Colorado records)
11. **[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)
   - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2016 (per Colorado records)
12. **[Greg Mattern](https://lendb.ai/lo/greg-mattern-1081954)** (NMLS 1081954), Guild Mortgage, Windsor, CO
   - Lists Self-employed on lender page (lender page, verified 2026-10-09)
   - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2018 (per Colorado records)
13. **[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)
   - NM listed on their lender page (not yet checked with the state regulator; verify at NMLS)
14. **[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)
   - NM 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/new-mexico.

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