Tracey Wagner

Mortgage Banker

NMLS# 1596665

I love to assist customers with realizing their dreams of home ownership by finding them the absolute best mortgage for their needs, while providing them an outstanding customer experience. My team and I will provide you with a one of a kind experience that will make you want to refer all of your family and friends!

Fascinated by banking and lending, I joined the banking industry over 20 years ago as a teller and worked my way through the entire loan process from start to finish. Ultimately, I love to help people so I have chosen to be a Loan originator where I can get to know my customers stories and help them in the best way possible.

I grew up in a small mining town in North Dakota, where I was raised with strong values and work ethic. We had a farm with a variety of animals on it, horses being my favorite. I have been driving since I was 10 and am very sufficient with the inner workings of farm life! Hard work and dedication is a requirement, and this carries over into my life and my career which has helped make me successful in every aspect!

I enjoy boating, horseback riding, playing with or walking my two beautiful husky dogs, and my goats. I enjoy spending time with my family and friends playing games or crafting. My favorite hobby is time spent with my husband traveling or working on our never ending list of house/yard projects. He is very supportive of my need to have many fur babies.

Free dog, horse or goat hair included with every transaction! Just kidding, I have lots of sticky rollers handy!

Meet The Ryan Hillard Mortgage Team

Valarie Lowden | Loan Production Manager |

My primary goal as the Loan Production Manager is to enhance communication between clients, real estate professionals and the LeaderOne team. With over 12 years in the Mortgage industry, I have learned the importance of being detail-oriented, dedicated to serving clients and always keeping a positive attitude in order to facilitate a seamless client experience.

I chose to join LeaderOne because of the camaraderie and passion I witnessed within the Denver team.

In my free time, I enjoy traveling, running, hiking and taking in the beautiful Colorado scenery. I’m an optimistic person, always wanting to make the current year better than the last!

Amanda Davies | Loan Processor |

As a Loan Processor, my role is to partner with my client and our underwriting team to ensure the most efficient and stress-free transaction possible. My love of details and deadlines is what drives me to succeed in my role.

I selected LeaderOne because of our commitment to excellence, positive work environment, and passion for service.

Outside of work, my husband Beau and I have our hands full with our two little boys, and our black lab, Hudson. We enjoy spending time together as a family, and getting up to the mountains to enjoy the outdoors as much as we can. I also have a heart for my church and serving my community.

Michele Maginn | Marketing Assistant |

My role as a Marketing Assistant is to maximize the LeaderOne Denver Team’s external presence by utilizing social media, organizing charitable outreach events, and developing marketing tools. My ultimate goal is to use my creativity to expand our community presence, as well as assisting the team to exceed client expectations.

I am a California native, however, I earned a degree in business from The University of Colorado, Boulder.

While at CU, I met my husband, Marc. His service in the Army and subsequent jobs have moved us all over the US but we are thrilled to finally be back in Colorado. We love to explore the outdoors with our children, Kailer and Kenzie, and dog, Bentley.

Our Mission Is A Better Mortgage Experience

LeaderOne’s mission and commitment to you is dedicated to facilitating the dream of homeownership by providing you with Five-Star Service.

We believe in earning your trust by communicating to you the information need to know, when you need to know it and by offering the right mortgage for your unique financial picture at a competitive and fair price.

Who Is LeaderOne Financial?

LeaderOne Financial Corporation is a revolution in mortgage banking. We are committed to our values of Service, Empowerment, and Accountability.

Our ownership model combines the best of both worlds; a commitment to individual empowerment with the backing of a solid, experienced, and committed team. Our customer experience is a function of our employee experience. Together, we truly can achieve more. Our belief in employee engagement doesn’t have a finish line.

A Culture Of Service, Accountability And Empowerment

We treat our customers with the same courtesy, professionalism and support with which we treat each other.


  • Service begins with how we interact internally
  • We seek out ways to make each other look good
  • We give each other the benefit of the doubt
  • We show our appreciation


  • We are all leaders
  • Everyone on the team is a ‘decision-maker’
  • We are not afraid of failure, we are concerned about inaction
  • We are proactive – we Fail Forward
  • We seek out feedback and ideas
  • We ask what we can do to help
  • We are committed to employee development
  • At the end of the day, we all have the same job description


  • We hold each other accountable for positivity
  • We look for ways to do more with less
  • We own our mistakes, and learn from them
  • It’s nobody’s fault, and it’s everyone’s responsibility

Over 5,000 Positive Client Reviews

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Tracey Wagner

Mortgage Banker

Contact Tracey 720-281-4487 Apply Online