---
canonical_url: https://lendb.ai/s/bank-statement/idaho
last_verified: 2026-10-09
---

# Bank statement loan officers in Idaho

As of 2026-10-09, LenDb lists 3 loan officers licensed in or based in Idaho whose lender pages show Bank statement loan work. The top-ranked are Joe Soto (CrossCountry Mortgage, Cypress), Denise Cuddeback Montgomery (American Pacific Mortgage, Eugene) and Jim Brettl (Xpert Home Lending). Ranking is lender-neutral: specialty evidence first, then a license in ID, 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 Bank statement loan on lender page (lender page, verified 2026-10-09)
   - ID 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. **[Denise Cuddeback Montgomery](https://lendb.ai/lo/denise-montgomery-57734)** (NMLS 57734), American Pacific Mortgage, Eugene, OR
   - Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
   - ID 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)
3. **[Jim Brettl](https://lendb.ai/lo/jim-brettl-455400)** (NMLS 455400), Xpert Home Lending
   - Lists Bank statement loan on lender page (lender page, verified 2026-10-09)
   - ID listed on their lender page (not yet checked with the state regulator; verify at NMLS)

## Questions to ask

- Do you use personal or business statements, and what expense factor?
- How do you treat large or irregular deposits?
- How does pricing compare with a full documentation loan?

Cite as: LenDb.ai, https://lendb.ai/s/bank-statement/idaho.

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