About
Summit Mortgage Corporation
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 The Summit Mortgage
Corporation Bank Partner Program started with a simple idea, to build a
mortgage company from our bank partner's point of
view while providing our partners the opportunity to
offer outstanding mortgage services to their
customers. At the same time, our goal was to help
our partners add value to their institutions by creating an
additional profit center. We realize that success comes from
taking the time to understand our client's needs and
working hard to make sure those needs
are satisfied. You have our promise that we will
strive to exceed your expectations.
Summit, a national leader in the use of bank partnering,
joint mortgage partners, branching and
technology, is owned by Robert and Diana Carter
mortgage industry professionals since 1982. SMC was
incorporated in 1992 and is headquartered in
Minneapolis, Minnesota. We employ 200+ professionals at
30+ offices throughout the United States. Summit balances the
demands of a growing, sophisticated business with a
comfortable family environment.
We are an experienced team of managers, loan
originators, processors, underwriters, closers,
marketing professionals, computer technologists and
administrative specialists. We are aggressive,
innovative, and production oriented, while
maintaining a strong code of business ethics. We
seek out others who share these beliefs and expect
the same qualities in all their business partners.
Our company philosophy of high-level service is
reflected in everything we do. We think you'll like
what you find here and hope you are interested in
doing business with us.
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For more information and to
explore the opportunity
of becoming a
Summit "Bank Partner"
Click Here!
Meet Our Staff of Professionals
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Robert Carter, CEO
Bob joined the mortgage industry in
the late 1980s, working as a loan
officer and calling on Realtors and
Builders for referrals. In 1992, he
and his wife Diana opened Summit
Mortgage. They wanted to run a
mortgage company from the loan
officer’s point of view. The idea
worked, and as Summit has grown, Bob
and Diana haven’t lost that
perspective. Besides minding the
store, Bob serves actively on the
board of the State Mortgage Banker
Association. You may also see him on
the slopes, the golf course, or at
the throttle of his Harley-Davidson. |
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Lance Krog, Underwriting Manager
Lance has been in the mortgage
business since 1985, with two years
in processing and 18 as an
underwriter. Since 1998, Lance has
been in charge of developing and
managing Summit Mortgage’s
underwriting team. In addition, he
has managed aspects of our branch
operations. In his spare time, Lance
tends his hobby farm. |
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Stacey Karkoc, Internal Operations
Manager
Stacey brings all sorts of hands-on
experience to our operations. Before
joining Summit Mortgage in 1997, she
worked in shipping, post-closing,
foreclosure processing and as a
real-estate title closer. Our loan
officers have learned to lean on
Stacey for her grasp of technology
and her results-oriented mindset.
Outside of work, Stacey and her
husband raise three children and an
impressive garden. |
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Diane Henson, EVP Finance
Diane has been at Summit Mortgage
for 8 years and has 25 years of
experience in the consumer lending
industry. During her career at
Summit, she has worked in the
Accounting, HR, and Secondary
Marketing departments. Currently she
oversees the Accounting and HR
departments and works closely with
the branch managers on their branch
profitability. When not working, she
enjoys playing bridge and traveling. |
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Larry Henson, General Counsel and
Compliance Officer
Larry has over 25 years experience
as a corporate attorney in the
financial services industry with
concentrations in licensing and
regulatory issues. As General
Counsel and Compliance Officer since
2003, he is responsible for all
regulatory, legal, licensing and
quality control issues. He is a
member of the American Bar
Association, Minnesota State Bar
Association, and the Hennepin County
Bar Association. Away from work he
can be found competing on the tennis
courts, doing battle on a chess
board, or relaxing at a card game. |
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