Borrower situations · Washington
Loan officers for self-employed borrowers in Washington
As of 2026-10-09, LenDb lists 61 loan officers licensed in or based in Washington whose lender pages show Self-employed work. The top-ranked are Janice Brown (Guild Mortgage, Wenatchee), Joe Soto (CrossCountry Mortgage, Cypress) and Kirk Taylor (CrossCountry Mortgage, Naples). Ranking is lender-neutral: specialty evidence first, then a license in WA, 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
Janice BrownNMLS 147704
Guild Mortgage · Wenatchee, WA
- Self-employed
- Real estate investor
- WA 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 Wenatchee, WA
- States 26 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
- WA 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
Kirk TaylorNMLS 312131
CrossCountry Mortgage · Naples, FL · licensed in 16 states
- Self-employed
- 1099 income
- Bank statement loan
- DSCR loan
- WA 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 2014 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 4
Joe MagallanesNMLS 491678
CrossCountry Mortgage · Newport Beach, CA · licensed in 26 states
- Self-employed
- Jumbo loan
- Non-QM loan
- Real estate investor
- WA 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 2023 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 5
Sheilla LavadiaNMLS 1399453
Loan Factory · Mortgage broker · licensed in 10 states
- Self-employed
- 1099 income
- First-time buyer
- Real estate investor
- WA 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 2023 (per Florida records)
- States 22 years of experience (lender page, 2026-10-09)
- 6
Raena PinchukNMLS 1488388
CrossCountry Mortgage · Coeur d'Alene, ID · licensed in 4 states
- Self-employed
- First-time buyer
- New construction
- VA loan
- WA 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 17 years of experience (lender page, 2026-10-09)
- 7
Andrew WatsonNMLS 2260761
CrossCountry Mortgage · Coeur d'Alene, ID · licensed in 3 states
- Self-employed
- Real estate investor
- Non-QM loan
- VA loan
- WA 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 16 years of experience (lender page, 2026-10-09)
- 8
Evan LuchacoNMLS 887608
Churchill Mortgage · Portland, OR · licensed in 12 states
- Self-employed
- FHA loan
- Renovation loan (203k / HomeStyle)
- VA loan
- WA 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 2023 (per Colorado records)
- States 12 years of experience (lender page, 2026-10-09)
- 9
Josiah Paul ShelmanNMLS 1824996
Guild Mortgage · Tumwater, WA · licensed in 4 states
- Self-employed
- Down payment assistance
- FHA loan
- First-time buyer
- WA 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 Tumwater, WA
- States 6 years of experience (lender page, 2026-10-09)
- 10
George PressleyNMLS 94040
Loan Factory · Mortgage broker · Washington
- Self-employed
- 1099 income
- Asset-based qualifying
- Bank statement loan
- WA 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 Washington
- States 30 years of experience (lender page, 2026-10-09)
- 11
Charles TollNMLS 1783114
CrossCountry Mortgage · San Juan Capistrano, CA · licensed in 17 states
- Self-employed
- Non-QM loan
- Real estate investor
- First-time buyer
- WA 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 2018 (per Colorado records)
- 12
Christopher GibsonNMLS 1910430
C2 Financial Corporation · Mortgage broker · licensed in 3 states
- Self-employed
- 1099 income
- Bank statement loan
- DSCR loan
- WA 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 Colorado records)
- States 15 years of experience (lender page, 2026-10-09)
- 13
Drake Dwight DornfeldNMLS 22093
Guild Mortgage · Winthrop, WA · licensed in 2 states
- Self-employed
- WA 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 Winthrop, WA
- 14
Mark MantheiNMLS 116408
CrossCountry Mortgage · Kennewick, WA
- Self-employed
- WA 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 Kennewick, WA
- 15
Jeff AdamsNMLS 1851495
CrossCountry Mortgage · Cincinnati, OH · licensed in 25 states
- Self-employed
- First-time buyer
- WA 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 2021 (per Florida records)
- 16
Kameron RahimzadehNMLS 2345490
CrossCountry Mortgage · Bothell, WA · licensed in 2 states
- Self-employed
- Real estate investor
- Down payment assistance
- VA loan
- WA 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 Bothell, WA
- 17
Staci CotterNMLS 404843
Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 9 states
- Self-employed
- Bank statement loan
- WA 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 2022 (per Colorado records)
- 18
Kylie MillerNMLS 562713
CrossCountry Mortgage · Beavercreek, OH · licensed in 9 states
- Self-employed
- Jumbo loan
- New construction
- Physician and medical professional
- WA 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 2025 (per Florida records)
- States 20 years of experience (lender page, 2026-10-09)
- 19
Denise Cuddeback MontgomeryNMLS 57734
American Pacific Mortgage · Eugene, OR · licensed in 11 states
- Self-employed
- Bank statement loan
- Down payment assistance
- DSCR loan
- WA 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 2023 (per Florida records)
- States 30 years of experience (lender page, 2026-10-09)
- 20
Preston FroulaNMLS 2092118
Guild Mortgage · Yakima, WA · licensed in 2 states
- Self-employed
- First-time buyer
- Physician and medical professional
- Real estate investor
- WA 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 Yakima, WA
- 21
Yosh W AngersbachNMLS 190943
JPMorgan Chase Bank (Chase Home Lending) · Bank · Seattle, WA
- Self-employed
- Co-op
- Condo
- Vacation home
- 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 Seattle, WA
- 22
Erik BrowningNMLS 2264602
CrossCountry Mortgage · Scottsdale, AZ · licensed in 14 states
- Self-employed
- DSCR loan
- FHA loan
- HELOC
- WA 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 2025 (per Florida records)
- 23
Todd WilliamsNMLS 114774
CrossCountry Mortgage · Lake Oswego, OR · licensed in 3 states
- Self-employed
- Construction loan
- Jumbo loan
- WA 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)
- 24
Lisa KellyNMLS 716658
CrossCountry Mortgage · Hayden, ID · licensed in 2 states
- Self-employed
- Construction loan
- First-time buyer
- WA 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)
- 25
Ivan LinNMLS 2462401
Loan Factory · Mortgage broker · licensed in 10 states
- Self-employed
- Real estate investor
- WA 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 2025 (per Florida records)
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 WA license is confirmed with the state regulator (check mark), WA 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=WA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.