---
canonical_url: https://lendb.ai/s/self-employed/rhode-island
last_verified: 2026-10-09
---

# Loan officers for self-employed borrowers in Rhode Island

As of 2026-10-09, LenDb lists 6 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.

## Ranked, with reasons

1. **[Kate Reagan](https://lendb.ai/lo/kathryn-reagan-19006)** (NMLS 19006), Guild Mortgage, Easthampton, MA
   - Lists Self-employed on lender page (lender page, verified 2026-10-09)
   - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2019 (per Florida records)
   - States 30 years of experience (lender page, 2026-10-09)
2. **[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)
   - RI 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)
3. **[Joe Smith](https://lendb.ai/lo/joseph-smith-481139)** (NMLS 481139), CrossCountry Mortgage, Boston, MA
   - Lists Self-employed on lender page (lender page, verified 2026-10-09)
   - RI listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2012 (per Florida records)
   - States 30 years of experience (lender page, 2026-10-09)
4. **[Steve Lennon](https://lendb.ai/lo/steve-lennon-24453)** (NMLS 24453), JPMorgan Chase Bank (Chase Home Lending), Cranston, RI
   - Lists Self-employed on lender page (lender page, verified 2026-10-09)
   - Office in Cranston, RI
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS
5. **[Lorna Maria Orabona](https://lendb.ai/lo/lorna-maria-orabona-22216)** (NMLS 22216), JPMorgan Chase Bank (Chase Home Lending), Providence, RI
   - Lists Self-employed on lender page (lender page, verified 2026-10-09)
   - Office in Providence, RI
   - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; 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/rhode-island.

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