Borrower situations · Rhode Island
Loan officers for self-employed borrowers in Rhode Island
As of 2026-10-09, LenDb lists 7 loan officers licensed in or based in Rhode Island whose lender pages show Self-employed work. The top-ranked are Kate Reagan (Guild Mortgage, Easthampton), Joe Soto (CrossCountry Mortgage, Cypress) and Joe Smith (CrossCountry Mortgage, Boston). Ranking is lender-neutral: specialty evidence first, then a license in RI, 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 6
- 1
Kate ReaganNMLS 19006
Guild Mortgage · Easthampton, MA · licensed in 7 states
- Self-employed
- Down payment assistance
- RI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2019 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 2
Joe SotoNMLS 175142
CrossCountry Mortgage · Cypress, CA · licensed in 12 states
- Self-employed
- 1099 income
- Bank statement loan
- RI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- States 20 years of experience (lender page, 2026-10-09)
- 3
Joe SmithNMLS 481139
CrossCountry Mortgage · Boston, MA · licensed in 8 states
- Self-employed
- Real estate investor
- VA loan
- RI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed since 2012 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 4
Steve LennonNMLS 24453
JPMorgan Chase Bank (Chase Home Lending) · Bank · Cranston, RI
- Self-employed
- Co-op
- Condo
- FHA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Office in Cranston, RI
- 5
Scott HazardNMLS 30883
Embrace Home Loans · Jamestown, RI · licensed in 8 states
- Self-employed
- Vacation home
- RI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Office in Jamestown, RI
- Licensed since 2011 (per Florida records)
- 6
Lorna Maria OrabonaNMLS 22216
JPMorgan Chase Bank (Chase Home Lending) · Bank · Providence, RI
- Self-employed
- Vacation home
- VA loan
- FHA loan
- Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Office in Providence, RI
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 are listed when a RI license is confirmed with the state regulator (check mark), RI is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=self-employed&state=RI. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.