Borrower situations · Montana
Loan officers for self-employed borrowers in Montana
As of 2026-10-09, LenDb lists 12 loan officers licensed in or based in Montana whose lender pages show Self-employed work. The top-ranked are James Igbinovia (CrossCountry Mortgage, Scottsdale), Andrew Watson (CrossCountry Mortgage, Coeur d'Alene) and Charles Toll (CrossCountry Mortgage, San Juan Capistrano). Ranking is lender-neutral: specialty evidence first, then a license in MT, 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 12
- 1
James IgbinoviaNMLS 626688
CrossCountry Mortgage · Scottsdale, AZ · licensed in 29 states
- Self-employed
- Construction loan
- Jumbo loan
- USDA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MT (listed on lender page, verified 2026-10-09)
- 20 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 2
Andrew WatsonNMLS 2260761
CrossCountry Mortgage · Coeur d'Alene, ID · licensed in 3 states
- Self-employed
- Real estate investor
- Non-QM loan
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MT (listed on lender page, verified 2026-10-09)
- 16 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 3
Charles TollNMLS 1783114
CrossCountry Mortgage · San Juan Capistrano, CA · licensed in 17 states
- Self-employed
- Non-QM loan
- Real estate investor
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MT (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 4
Vince StasollaNMLS 148704
CrossCountry Mortgage · Pittsburgh, PA · licensed in 23 states
- Self-employed
- Jumbo loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MT (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 5
Evan LuchacoNMLS 887608
Churchill Mortgage · Portland, OR · licensed in 12 states
- Self-employed
- FHA loan
- Renovation loan (203k / HomeStyle)
- VA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MT (listed on lender page, verified 2026-10-09)
- 12 years experience (stated on lender page, 2026-10-09)
- No disciplinary actions on file at LenDb
- 6
Jacob PugmireNMLS 2826843
CrossCountry Mortgage · Meridian, ID · licensed in 2 states
- Self-employed
- Non-QM loan
- Real estate investor
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MT (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 7
Drake Dwight DornfeldNMLS 22093
Guild Mortgage · Winthrop, WA · licensed in 2 states
- Self-employed
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MT (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 8
Scott HazardNMLS 30883
Embrace Home Loans · Jamestown, RI · licensed in 8 states
- Self-employed
- Vacation home
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MT (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 9
Sandi MilohovNMLS 114287
Guild Mortgage · Longview, WA · licensed in 4 states
- Self-employed
- Down payment assistance
- FHA loan
- First-time buyer
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MT (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
- 10
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 36 states
- Self-employed
- Condo
- Down payment assistance
- FHA loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MT (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 11
Denise Cuddeback MontgomeryNMLS 57734
American Pacific Mortgage · Eugene, OR · licensed in 11 states
- Self-employed
- Bank statement loan
- Down payment assistance
- DSCR loan
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MT (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 12
Bill HunterNMLS 1652774
Evergreen Home Loans · Sandpoint, ID · licensed in 6 states
- Self-employed
- Down payment assistance
- Low credit score
- Lists Self-employed on lender page (lender page, verified 2026-10-09)
- Licensed in MT (listed on lender page, verified 2026-10-09)
- No disciplinary actions on file at LenDb
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 must be licensed in MT or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=self-employed&state=MT. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.