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The easy way to find dealer information

Dealer Portal

The dealer portal is a one-stop resource for dealer information. Find rates, forms and contact details—all in one convenient location.

Contact us at 801-363-1949.

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Dealertrack and Routeone document upload

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Membership forms

Other forms

Leadership team

Josh Davies

VP of Indirect Lending

James Prasek Headshot

James Prasek

Director of Indirect Lending – Consumer
Ryan Kirkpatrick Headshot

Ryan Kirkpatrick

Director of Indirect Consumer Lending – Dealer Management
Christina Melendez

Christina Melendez

Director of Indirect Consumer Lending – Funding
Idaho, Montana and Branch Liaisons

Dealer sales representatives

Vauna Newbold Headshot

Vauna Newbold

Senior Indirect Representative (ID)

208-251-0519
vnewbold@macu.com

Nykole Rightnowar

Indirect Representative (ID)

986-942-1682
nrightnowar@macu.com

Richard Maciel

Indirect Representative (MT)

406-818-1615
rmaciel@macu.com

Arizona and Nevada

Dealer sales representatives

John Simmons Headshot

John Simmons

Manager Indirect Dealer Relations

801-828-0375
josimmons@macu.com

John M. Lucas Headshot

John Lucas

Senior Indirect Representative (NM)

775-219-9063
jlucas@macu.com

Michael Rattler Headshot

Michael Rattler

Senior Indirect Representative (AZ)

801-803-0797
mrattler@macu.com

Olivia Roberts

Senior Indirect Representative (AZ)

385-549-7392
oroberts@macu.com

Utah

Dealer sales representatives

Carmen Esparza Headshot

Carmen Esparza

Manager Indirect Dealer Relations

385-228-4463
cesparza@macu.com

Cruz Munoz Headshot

Cruz Munoz

Senior Indirect Representative (Southern CO, NM)

505-916-9972
cmunoz@macu.com

Diana Mirabile

Diana Mirabile

Senior Indirect Representative (UT)

385-270-1512
dmirabile@macu.com

Lynette Christensen Headshot

Lynette Christensen

Senior Indirect Representative (UT)

385-465-5796
lychristensen@macu.com

Trent Atkinson Headshot

Trent Atkinson

Senior Indirect Representative (Southwest CO, UT)

385-707-6350
tatkinson@macu.com

Contact an underwriter

Wasatch region

TJ Hovey Headshot

TJ Hovey

Credit Manager
801-325-6595
thovey@macu.com

Lara Erickson

Lead Indirect Credit Underwriter
801-526-7387
lerickson@macu.com

Debbie Young

Senior Indirect Credit Underwriter
801-258-5576
dyoung@macu.com

Zac Gorringe

Senior Indirect Credit Underwriter
801-858-1038
zgorringe@macu.com

Becky Potter

Senior Indirect Credit Underwriter
801-323-2358
bpotter@macu.com

Jani Savage

Indirect Credit Underwriter
385-366-0321
jsavage@macu.com

Nicole Kemp

Senior Indirect Credit Underwriter
801-366-6970
nkemp@macu.com

David Andrade

Indirect Credit Underwriter
385-831-8989 jandrade@macu.com

Red rocks region

Tami Holmes Headshot

Tami Holmes

Credit Manager
208-390-7977
tholmes@macu.com

Jen Torrez

Lead Credit Underwriter
505-382-3595
jtorrez@macu.com

Eric Marin

Senior Credit Underwriter
505-269-3251
emarin@macu.com

Jeff Tucker

Senior Credit Underwriter
208-215-9473
jtucker@macu.com

Lisa Archuleta

Senior Credit Underwriter
505-263-7095
larchuleta@macu.com

Emilee Eyre

Credit Underwriter
406-876-1271
eeyre@macu.com

William Hylton

Metta Sengsouvanna

Credit Underwriter
801-891-7389
msengs@macu.com

Tetons region

Daizey Kinn Headshot

Daizey Kinn

Credit Manager
406-591-7627
dkinn@macu.com

Britt Howe

Lead Credit Underwriter
385-270-2150
bhowe@macu.com

Jana Louis

Senior Credit Underwriter
208-996-4384
jlouis@macu.com

Tara Richardson

Senior Credit Underwriter
801-793-7539
trichardson@macu.com

Haley Eagar

Credit Underwriter
801-633-4021
heagar@macu.com

Justin Holguin

Senior Credit Underwriter
385-522-8916
jholguin@macu.com

Stephanie Harris

Zachary Mark

Senior Credit Underwriter
385-270-1586
zmark@macu.com

Recreational vehicles

Motorhomes, trailers, ATVs, side-by-sides, snowmobiles, etc.

Sandi Brian Headshot

Sandi Brian

Credit Manager
435-627-6609
sbrian@macu.com

Jake Provost

RV Credit Underwriter
801-325-0494
jprovost@macu.com

Melissa Culley

RV Credit Underwriter
435-627-6621
mculley@macu.com

Tom Vu

RV Credit Underwriter
435-627-6633
tvu@macu.com

Torri Rydalch

RV Credit Underwriter
435-228-8417
trydalch@macu.com

Specialty finance

Branded title, Utah Lemon Law, commercial lending and leasing.

Tyler Stapley Headshot

Tyler Stapley

Manager
801-323-2363
tstapley@macu.com

Shandra Telford

Lead Special Finance Underwriter
385-258-7013
stelford@macu.com

Scott Lindsay

Senior Credit Underwriter
702-277-7724
slindsay@macu.com

Georgia Keller

Senior Special Finance Underwriter
385-977-8467
gkeller@macu.com

McClane Nelson

Senior Special Finance Underwriting/Leasing Specialist
385-602-1264
mcnelson@macu.com

Contact a funder

Call us at 801-363-1949 Option 2.

Cora Brady

Cora Brady

Funding Manager

Andrew Carlson

Assistant Funding Manager

Britni Cardona

Assistant Funding Manager

Taneesha Olson

Senior Consumer Lending Specialist

Braden Baker

Indirect Lending Team Lead

Emily Cassidy

Indirect Lending Team Lead

Aaron Sugay

Indirect Lending Processor

Alexa Davidson

Indirect Lending Processor

Anely Gaytan-Flores

Indirect Lending Processor

Blair Seely

Indirect Lending Processor

Blanca Salas

Indirect Lending Processor

Brenda Englund

Indirect Lending Processor

Brooke Peacock

Indirect Lending Processor

Esbeydi Carillo

Indirect Lending Processor

Jackson White

Indirect Lending Processor

Jorge Pantoja

Indirect Lending Processor

Juan Rodriguez

Indirect Lending Processor

Juan Suaste Lopez

Indirect Lending Processor

Katherine Fraser

Indirect Lending Processor

Lluvia Castillo

Indirect Lending Processor

Noemy Medina

Indirect Lending Processor

FAQs

Where can I find your current rate sheet?

The current rate sheet is available on the platform you've used to submit the information.

I’m having problems with CULD. Who should I contact?

Your local CUDL representative can assist you. For general support, you may also call 1-877-744-2835.

Who do I contact for a payoff?

For payoff balance, underwriting and funding information, you can call the lending department at 801-363-1949.

What are your hours?

Our current hours are outlined on your rate sheet. Please refer to that document for the most up‑to‑date information.

Are you open on Saturdays?

Yes, we are open on Saturdays. Our hours can be found on your rate sheet. Please note that Saturdays typically bring higher application volume, and we may not always be able to answer inbound calls immediately. If you need assistance, we recommend leaving a note within the application or reaching out directly to your assigned underwriter via text.

What is your lienholder mailing address?

PO Box 18489 Salt Lake City, UT, 84118

Where do I send documents packets?

Packet submission depends on the platform used for the application. CUDL packets must be uploaded through SmartFund, while RouteOne and Dealertrack packets should be uploaded through the dealer portal.

What is your membership fee?

There is no fee to join. To keep the account active a $1 minimum balance is required.

In which states does Mountain America Credit Union provide indirect lending?

Services are provided in Arizona, Colorado, Idaho, Montana, New Mexico, Nevada, Oregon, Utah, Washington, and Wyoming.

Are applicants with ITIN accepted?

No. All applicants must have a valid Social Security number.

What is your chargeback period?

The changeback period is 90 days.

Do you finance commercial vehicles?

Yes. Contact your local representative for details about the commercial/special finance and dealership eligibility.

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