--- canonical_url: https://lendb.ai/s/self-employed/oregon last_verified: 2026-10-09 --- # Loan officers for self-employed borrowers in Oregon As of 2026-10-09, LenDb lists 29 loan officers licensed in or based in Oregon whose lender pages show Self-employed work. The top-ranked are Joe Soto (CrossCountry Mortgage, Cypress), Joe Magallanes (CrossCountry Mortgage, Newport Beach) and Sheilla Lavadia (Loan Factory). Ranking is lender-neutral: specialty evidence first, then a license in OR, 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) - OR 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. **[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) - OR 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) 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) - OR 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. **[Eric Gasper](https://lendb.ai/lo/eric-gasper-175852)** (NMLS 175852), CrossCountry Mortgage, Mineola, NY - Lists Self-employed on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2010 (per Colorado records) 5. **[Evan Luchaco](https://lendb.ai/lo/evan-luchaco-887608)** (NMLS 887608), Churchill Mortgage, Portland, OR - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Portland, OR - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Colorado records) - States 12 years of experience (lender page, 2026-10-09) 6. **[Denise Cuddeback Montgomery](https://lendb.ai/lo/denise-montgomery-57734)** (NMLS 57734), American Pacific Mortgage, Eugene, OR - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Eugene, OR - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 30 years of experience (lender page, 2026-10-09) 7. **[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) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Colorado records) 8. **[Todd Williams](https://lendb.ai/lo/todd-williams-114774)** (NMLS 114774), CrossCountry Mortgage, Lake Oswego, OR - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Lake Oswego, OR - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) 9. **[Josiah Paul Shelman](https://lendb.ai/lo/josiah-shelman-1824996)** (NMLS 1824996), Guild Mortgage, Tumwater, WA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 6 years of experience (lender page, 2026-10-09) 10. **[Cormac Reidy-Taylor](https://lendb.ai/lo/cormac-reidy-taylor-2260426)** (NMLS 2260426), CrossCountry Mortgage, Eugene, OR - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Eugene, OR - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2026 (per Colorado records) 11. **[Justin Mead](https://lendb.ai/lo/justin-mead-1656276)** (NMLS 1656276), CrossCountry Mortgage, South Burlington, VT - Lists Self-employed on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 12. **[Vince Stasolla](https://lendb.ai/lo/vincente-stasolla-148704)** (NMLS 148704), CrossCountry Mortgage, Pittsburgh, PA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 13. **[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) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Colorado records) 14. **[Erik Browning](https://lendb.ai/lo/erik-browning-2264602)** (NMLS 2264602), CrossCountry Mortgage, Scottsdale, AZ - Lists Self-employed on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 15. **[Beth Imhoff](https://lendb.ai/lo/beth-imhoff-1378711)** (NMLS 1378711), Guild Mortgage, Portland, OR - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Portland, OR - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) 16. **[Noel Smith](https://lendb.ai/lo/noel-smith-156016)** (NMLS 156016), Fairway Independent Mortgage Corporation, Boise, ID - Lists Self-employed on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) 17. **[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) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 17 years of experience (lender page, 2026-10-09) 18. **[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) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 19. **[Janeth Pannen](https://lendb.ai/lo/janeth-pannen-1502086)** (NMLS 1502086), Intercap Lending - Lists Self-employed on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) 20. **[Jeremy Hicks](https://lendb.ai/lo/jeremy-hicks-1960052)** (NMLS 1960052), Guild Mortgage, Prineville, OR - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Prineville, OR - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) 21. **[Sandi Ann Milohov](https://lendb.ai/lo/sandi-milohov-114287)** (NMLS 114287), Guild Mortgage, Vancouver, WA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) 22. **[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) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) 23. **[Manen Pan](https://lendb.ai/lo/manen-pan-1006352)** (NMLS 1006352), First Citizens Bank, Pasadena, CA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) 24. **[Bill Hunter](https://lendb.ai/lo/bill-hunter-1652774)** (NMLS 1652774), Evergreen Home Loans, Sandpoint, ID - Lists Self-employed on lender page (lender page, verified 2026-10-09) - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS) 25. **[Teyona Stewart](https://lendb.ai/lo/teyona-stewart-2215853)** (NMLS 2215853), First Citizens Bank, La Jolla, CA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - OR 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/oregon. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._