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

# Loan officers for self-employed borrowers in Montana

As of 2026-10-09, LenDb lists 11 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 Evan Luchaco (Churchill Mortgage, Portland). Ranking is lender-neutral: specialty evidence first, then a license in MT, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[James Igbinovia](https://lendb.ai/lo/james-igbinovia-626688)** (NMLS 626688), CrossCountry Mortgage, Scottsdale, AZ
   - Lists Self-employed on lender page (lender page, verified 2026-10-09)
   - MT 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. **[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)
   - MT 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)
3. **[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)
   - MT 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)
4. **[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)
   - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2018 (per Colorado records)
5. **[Vince Stasolla](https://lendb.ai/lo/vincente-stasolla-148704)** (NMLS 148704), CrossCountry Mortgage, Pittsburgh, PA
   - Lists Self-employed on lender page (lender page, verified 2026-10-09)
   - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2022 (per Florida records)
6. **[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)
   - MT 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)
7. **[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)
   - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
8. **[Jacob Pugmire](https://lendb.ai/lo/jacob-pugmire-2826843)** (NMLS 2826843), CrossCountry Mortgage, Meridian, ID
   - Lists Self-employed on lender page (lender page, verified 2026-10-09)
   - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
9. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA
   - Lists Self-employed on lender page (lender page, verified 2026-10-09)
   - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Licensed since 2016 (per Colorado records)
10. **[Bill Hunter](https://lendb.ai/lo/bill-hunter-1652774)** (NMLS 1652774), Evergreen Home Loans, Sandpoint, ID
   - Lists Self-employed on lender page (lender page, verified 2026-10-09)
   - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
11. **[Sandi Ann Milohov](https://lendb.ai/lo/sandi-milohov-114287)** (NMLS 114287), Guild Mortgage, Vancouver, WA
   - Lists Self-employed on lender page (lender page, verified 2026-10-09)
   - MT listed on their lender page (not yet checked with the state regulator; 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/montana.

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