--- canonical_url: https://lendb.ai/s/self-employed/washington last_verified: 2026-10-09 --- # Loan officers for self-employed borrowers in Washington As of 2026-10-09, LenDb lists 58 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. ## Ranked, with reasons 1. **[Janice Brown](https://lendb.ai/lo/janice-brown-147704)** (NMLS 147704), Guild Mortgage, Wenatchee, WA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Wenatchee, WA - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 26 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) - WA 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. **[Kirk Taylor](https://lendb.ai/lo/kirk-taylor-312131)** (NMLS 312131), CrossCountry Mortgage, Naples, FL - Lists Self-employed on lender page (lender page, verified 2026-10-09) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2014 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 4. **[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) - WA 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) 5. **[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) - WA 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) 6. **[Raena Pinchuk](https://lendb.ai/lo/raena-pinchuk-1488388)** (NMLS 1488388), CrossCountry Mortgage, Coeur d'Alene, ID - Lists Self-employed on lender page (lender page, verified 2026-10-09) - WA 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) 7. **[Andrew Watson](https://lendb.ai/lo/andrew-watson-2260761)** (NMLS 2260761), CrossCountry Mortgage, Coeur d'Alene, ID - Lists Self-employed on lender page (lender page, verified 2026-10-09) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 16 years of experience (lender page, 2026-10-09) 8. **[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) - WA 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) 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) - Office in Tumwater, WA - WA 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. **[George Pressley](https://lendb.ai/lo/george-pressley-94040)** (NMLS 94040), Loan Factory, WA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Washington - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 30 years of experience (lender page, 2026-10-09) 11. **[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) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Colorado records) 12. **[Christopher Gibson](https://lendb.ai/lo/christopher-gibson-1910430)** (NMLS 1910430), C2 Financial Corporation - Lists Self-employed on lender page (lender page, verified 2026-10-09) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Colorado records) - States 15 years of experience (lender page, 2026-10-09) 13. **[Drake Dwight Dornfeld](https://lendb.ai/lo/drake-dwight-dornfeld-22093)** (NMLS 22093), Guild Mortgage, Winthrop, WA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Winthrop, WA - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 14. **[Mark Manthei](https://lendb.ai/lo/mark-manthei-116408)** (NMLS 116408), CrossCountry Mortgage, Kennewick, WA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Kennewick, WA - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 15. **[Jeff Adams](https://lendb.ai/lo/jeffrey-adams-1851495)** (NMLS 1851495), CrossCountry Mortgage, Cincinnati, OH - Lists Self-employed on lender page (lender page, verified 2026-10-09) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) 16. **[Kameron Rahimzadeh](https://lendb.ai/lo/kameron-rahimzadeh-2345490)** (NMLS 2345490), CrossCountry Mortgage, Bothell, WA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Bothell, WA - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 17. **[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) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Colorado records) 18. **[Kylie Miller](https://lendb.ai/lo/kylie-miller-562713)** (NMLS 562713), CrossCountry Mortgage, Beavercreek, OH - Lists Self-employed on lender page (lender page, verified 2026-10-09) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 19. **[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) - WA 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) 20. **[Preston Froula](https://lendb.ai/lo/preston-froula-2092118)** (NMLS 2092118), Guild Mortgage, Yakima, WA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Yakima, WA - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 21. **[Yosh W Angersbach](https://lendb.ai/lo/yosh-w-angersbach-190943)** (NMLS 190943), JPMorgan Chase Bank (Chase Home Lending), Seattle, WA - Lists Self-employed on lender page (lender page, verified 2026-10-09) - Office in Seattle, WA - Likely federally registered (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS 22. **[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) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 23. **[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) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 24. **[Lisa Kelly](https://lendb.ai/lo/lisa-kelly-716658)** (NMLS 716658), CrossCountry Mortgage, Hayden, ID - Lists Self-employed on lender page (lender page, verified 2026-10-09) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) 25. **[Ivan Lin](https://lendb.ai/lo/ivan-lin-2462401)** (NMLS 2462401), Loan Factory - Lists Self-employed on lender page (lender page, verified 2026-10-09) - WA listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) ## 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/washington. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._