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

# USDA loan officers in Montana

As of 2026-10-09, LenDb lists 8 loan officers licensed in or based in Montana whose lender pages show USDA loan work. The top-ranked are Coley Rau (CrossCountry Mortgage, Bryan), James Igbinovia (CrossCountry Mortgage, Scottsdale) and James McMurrey (CrossCountry Mortgage, Lacey). 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. **[Coley Rau](https://lendb.ai/lo/coley-rau-256481)** (NMLS 256481), CrossCountry Mortgage, Bryan, OH
   - Lists USDA loan 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 2017 (per Florida records)
   - States 21 years of experience (lender page, 2026-10-09)
2. **[James Igbinovia](https://lendb.ai/lo/james-igbinovia-626688)** (NMLS 626688), CrossCountry Mortgage, Scottsdale, AZ
   - Lists USDA loan 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)
3. **[James McMurrey](https://lendb.ai/lo/james-mcmurrey-2302283)** (NMLS 2302283), CrossCountry Mortgage, Lacey, WA
   - Lists USDA loan 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)
4. **[Denise Cuddeback Montgomery](https://lendb.ai/lo/denise-montgomery-57734)** (NMLS 57734), American Pacific Mortgage, Eugene, OR
   - Lists USDA loan 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)
5. **[Emma Penna](https://lendb.ai/lo/emma-penna-2053766)** (NMLS 2053766), CrossCountry Mortgage, Bozeman, MT
   - Lists USDA loan on lender page (lender page, verified 2026-10-09)
   - Office in Bozeman, MT
   - MT 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)
6. **[Scott Olson](https://lendb.ai/lo/scott-olson-413839)** (NMLS 413839), CrossCountry Mortgage, Missoula, MT
   - Lists USDA loan on lender page (lender page, verified 2026-10-09)
   - Office in Missoula, MT
   - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
7. **[Kevin Holmes](https://lendb.ai/lo/kevin-holmes-193246)** (NMLS 193246), NFM Lending, Linthicum, MD
   - Lists USDA loan 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 2026 (per Florida records)
8. **[Jess Patterson](https://lendb.ai/lo/jess-patterson-1013404)** (NMLS 1013404), Guild Mortgage, Layton, UT
   - Lists USDA loan 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

- Is this address in a USDA eligible area?
- Does my household income fall under the limit for this county?
- How long does USDA approval take with you right now?

Cite as: LenDb.ai, https://lendb.ai/s/usda/montana.

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