Borrower situations · Oregon
Loan officers for self-employed borrowers in Oregon
As of 2026-10-09, LenDb lists 34 loan officers licensed in or based in Oregon whose lender pages show Self-employed work. The top-ranked are Evan Luchaco (Churchill Mortgage, Portland), Joe Soto (CrossCountry Mortgage, Cypress) and Jim Lowenstein (Guild Mortgage, Portland). Ranking is lender-neutral: specialty evidence first, then a license in OR, 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
Evan LuchacoNMLS 887608
Churchill Mortgage · Portland, OR · licensed in 12 states
- Self-employed
- FHA loan
- Renovation loan (203k / HomeStyle)
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in OR (listed on lender page, verified 2026-10-09)
- Branch in Oregon
- 12 years experience (stated on lender page, 2026-10-09)
- 2
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 OR (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
Jim LowensteinNMLS 57654
Guild Mortgage · Portland, OR · licensed in 3 states
- Self-employed
- First-time buyer
- Jumbo loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in OR (listed on lender page, verified 2026-10-09)
- Branch in Oregon
- No disciplinary actions on file at LenDb
- 4
Beth ImhoffNMLS 1378711
Guild Mortgage · Portland, OR · licensed in 6 states
- Self-employed
- First-time buyer
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in OR (listed on lender page, verified 2026-10-09)
- Branch in Oregon
- No disciplinary actions on file at LenDb
- 5
Todd WilliamsNMLS 114774
CrossCountry Mortgage · Lake Oswego, OR
- Self-employed
- Construction loan
- Jumbo loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Branch in Oregon; no license list on file yet, verify at NMLS Consumer Access
- 35 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 6
Paul SteensonNMLS 468097
JPMorgan Chase Bank (Chase Home Lending) · Bend, OR
- Self-employed
- Co-op
- Condo
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Branch in Oregon; no license list on file yet, verify at NMLS Consumer Access
- 28 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 7
Paula NirschlNMLS 383396
Guild Mortgage · Vancouver, WA · licensed in 6 states
- Self-employed
- FHA loan
- First-time buyer
- Non-QM loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in OR (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 8
Joe MagallanesNMLS 491678
CrossCountry Mortgage · Newport Beach, CA · licensed in 26 states
- Self-employed
- Jumbo loan
- Non-QM loan
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in OR (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 9
Josiah ShelmanNMLS 1824996
Guild Mortgage · Tumwater, WA · licensed in 4 states
- Self-employed
- Down payment assistance
- FHA loan
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in OR (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
- 10
Vince StasollaNMLS 148704
CrossCountry Mortgage · Pittsburgh, PA · licensed in 23 states
- Self-employed
- Jumbo loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in OR (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 11
Brandon HansenNMLS 283559
Guild Mortgage · Toquerville, UT · licensed in 11 states
- Self-employed
- Asset-based qualifying
- Real estate investor
- Reverse mortgage
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in OR (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 12
Sunny LarsenNMLS 505811
CrossCountry Mortgage · Puyallup, WA · licensed in 8 states
- Self-employed
- Jumbo loan
- New construction
- Real estate investor
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in OR (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 13
Chelsea McCollumNMLS 1112460
JPMorgan Chase Bank (Chase Home Lending) · Medford, OR
- Self-employed
- First-time buyer
- Jumbo loan
- Down payment assistance
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Branch in Oregon; no license list on file yet, verify at NMLS Consumer Access
- 16 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 14
Sandi Ann MilohovNMLS 114287
Guild Mortgage · Vancouver, WA · licensed in 4 states
- Self-employed
- Down payment assistance
- FHA loan
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in OR (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 15
Bradley Fatio L'EngleNMLS 249309
Guild Mortgage · Roseville, CA · licensed in 10 states
- Self-employed
- First-time buyer
- VA loan
- Jumbo loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in OR (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 16
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 OR (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 17
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 OR (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 18
Janeth PannenNMLS 1502086
Intercap Lending · licensed in 5 states
- Self-employed
- First-time buyer
- ITIN borrower
- Foreign national
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in OR (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 19
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 OR (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
- 20
Noel SmithNMLS 156016
Fairway Independent Mortgage Corporation · Boise, ID · licensed in 3 states
- Self-employed
- Non-QM loan
- Real estate investor
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in OR (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 21
Collin CliffordNMLS 1529510
Barrett Financial Group · San Diego, CA · licensed in 4 states
- Self-employed
- FHA loan
- Jumbo loan
- USDA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in OR (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 22
Denise Cuddeback MontgomeryNMLS 57734
American Pacific Mortgage · Eugene, OR · licensed in 11 states
- Self-employed
- Bank statement loan
- Down payment assistance
- DSCR loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in OR (listed on lender page, verified 2026-10-09)
- Branch in Oregon
- 3 years licensed
- 23
Jeremy HicksNMLS 1960052
Guild Mortgage · Prineville, OR · licensed in 5 states
- Self-employed
- Down payment assistance
- FHA loan
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in OR (listed on lender page, verified 2026-10-09)
- Branch in Oregon
- No disciplinary actions on file at LenDb
- 24
Kimberly BarryNMLS 53711
American Pacific Mortgage · Hillsboro, OR · licensed in 3 states
- Self-employed
- FHA loan
- Jumbo loan
- Non-QM loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in OR (listed on lender page, verified 2026-10-09)
- Branch in Oregon
- No disciplinary actions on file at LenDb
- 25
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 OR (listed on lender page, verified 2026-10-09)
- 8 years licensed
- 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 OR 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=OR. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.