Top loan officers in Montana in 2026 so far, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of July 7, 2026, the top 3 include Sara Koelzer (Guaranteed Rate, Inc., NMLS #400361), Julie Lapham (Everett Financial, Inc., NMLS #292964), and Crystal Eckerson (Evergreen Moneysource Mortgage Company, NMLS #400351).
Updated · Recorded mortgage transactions typically appear in this dataset approximately 22 days after the recording date.
| Rank | Loan officer | LO NMLS | Current Lender / Broker | Lender NMLS | Location | YTD Volume | YTD Loans | Avg Loan |
|---|---|---|---|---|---|---|---|---|
| #1 | Sara Koelzer | 400361 | Guaranteed Rate, Inc. | 2611 | Bozeman, MT | $58.7M | 102 | $575K |
| #2 | Julie Lapham | 292964 | Everett Financial, Inc. | 2129 | Missoula, MT | $31.5M | 78 | $404K |
| #3 | Crystal Eckerson | 400351 | Evergreen Moneysource Mortgage Company | 3182 | Helena, MT | $26.0M | 67 | $388K |
| #3 | Brian Hafner | 1620055 | Lower, LLC | 1124061 | Billings, MT | $23.9M | 67 | $356K |
| #5 | Michael Banks | 404629 | Opportunity Bank of Montana | 412554 | Great Falls, MT | $19.2M | 65 | $295K |
| #6 | Kelly Duray | 716674 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $19.1M | 61 | $313K |
| #6 | Nicole Hanni | 487293 | Guild Mortgage Company LLC | 3274 | Butte, MT | $14.4M | 61 | $236K |
| #8 | Lindsay Lee | 1002501 | Russell Country Federal Credit Union | 421978 | Great Falls, MT | $8.0M | 57 | $141K |
| #9 | Emily Martello | 812363 | CrossCountry Mortgage, LLC | 3029 | Missoula, MT | $20.9M | 54 | $388K |
| #10 | Casey Moen | 1733091 | Stockman Bank of Montana | 440094 | Great Falls, MT | $17.5M | 52 | $337K |
| #11 | DeDe Stoner | 250504 | Guild Mortgage Company LLC | 3274 | Billings, MT | $14.5M | 51 | $284K |
| #12 | Caroline Roy | 271203 | GoPrime Mortgage, Inc. | 69551 | Bozeman, MT | $21.9M | 45 | $487K |
| #13 | Carla Marinko | 526355 | Stockman Bank of Montana | 440094 | Belgrade, MT | $16.6M | 41 | $405K |
| #13 | Jessica Haynes | 1854887 | VALLEY FINANCIAL CREDIT UNION | 478488 | Billings, MT | $14.2M | 41 | $347K |
| #15 | Tiffany McNeff | 707795 | FIRST FEDERAL BANK & TRUST | 490477 | Billings, MT | $13.3M | 40 | $333K |
| #16 | Deborah Sokoloski | 716649 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $11.0M | 39 | $281K |
| #17 | Christine Farrington | 193640 | Edge Home Finance, LLC | 891464 | Las Vegas, NV | $18.3M | 37 | $495K |
| #17 | John Baldridge | 1942991 | Prosperity Home Mortgage, LLC | 75164 | Newport Beach, CA | $17.4M | 37 | $471K |
| #19 | Sammy Van Dyke | 776569 | Billings Federal Credit Union | 462141 | Billings, MT | $11.6M | 36 | $323K |
| #19 | Renee Gaugler | 400368 | Cornerstone Capital Bank, SSB | 2258 | Bozeman, MT | $18.6M | 36 | $516K |
| #21 | Zachary Falk | 2082543 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $17.1M | 34 | $504K |
| #21 | Shannon O'Hare | 523508 | CrossCountry Mortgage, LLC | 3029 | Bozeman, MT | $19.5M | 34 | $573K |
| #23 | Matthew Gehr | 1549221 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $11.4M | 33 | $347K |
| #24 | Bryon Smith | 259031 | Bryon Smith Mortgage LLC | 259426 | Missoula, MT | $14.7M | 32 | $460K |
| #24 | Kaycee Carroll | 716645 | Opportunity Bank of Montana | 412554 | Billings, MT | $11.6M | 32 | $361K |
| #24 | Cassidy Leary | 1637124 | Guild Mortgage Company LLC | 3274 | Butte, MT | $7.1M | 32 | $220K |
| #24 | Elizabeth Kleppelid | 1512405 | Rocky Mountain Credit Union | 585490 | Helena, MT | $6.5M | 32 | $203K |
| #28 | William Cockhill | 747566 | Stockman Bank of Montana | 440094 | Helena, MT | $11.1M | 31 | $358K |
| #28 | Dawn Buckley | 1987137 | U.S. Bank National Association | 402761 | Helena, MT | $10.5M | 31 | $337K |
| #28 | Sara Reiss | 2630424 | Russell Country Federal Credit Union | 421978 | — | $4.7M | 31 | $150K |
| #28 | Colleen Wood | 1118454 | Wood Team Home Mortgage LLC | 2535756 | Red Lodge, MT | $14.6M | 31 | $472K |
| #28 | Elizabeth Klunder | 716654 | Glacier Bank | 472212 | Billings, MT | $11.8M | 31 | $382K |
| #28 | Acacia Madill | 1268142 | YELLOWSTONE BANK, THE | 403398 | Billings, MT | $12.1M | 31 | $389K |
| #34 | Christopher Ackerman | 450337 | Guaranteed Rate, Inc. | 2611 | Billings, MT | $12.1M | 30 | $403K |
| #34 | David Krueger | 1598813 | Montana Family Mortgage, LLC | 1625135 | Missoula, MT | $14.2M | 30 | $474K |
| #36 | Christopher Dangerfield | 400362 | Fairway Independent Mortgage Corporation | 2289 | Great Falls, MT | $9.4M | 29 | $325K |
| #36 | Jason Edmister | 523487 | Stockman Bank of Montana | 440094 | Great Falls, MT | $10.6M | 29 | $365K |
| #38 | Brittany Lakey | 1188177 | Whitefish Credit Union Association | 409281 | Thompson Falls, MT | $8.3M | 28 | $297K |
| #38 | Kimberly MacDonald | 470804 | U.S. Bank National Association | 402761 | Billings, MT | $13.7M | 28 | $488K |
| #38 | Robert Vallance | 487547 | Opportunity Bank of Montana | 412554 | Missoula, MT | $12.8M | 28 | $457K |
| #38 | Janice Lake | 240568 | Envoy Mortgage Ltd | 6666 | Kalispell, MT | $10.9M | 28 | $388K |
| #38 | Lynn Stenerson | 707851 | Stockman Bank of Montana | 440094 | Missoula, MT | $11.8M | 28 | $421K |
| #38 | Stephen Cooney | 487376 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $13.8M | 28 | $494K |
| #44 | Tami Hartmann | 523510 | Stockman Bank of Montana | 440094 | Billings, MT | $9.2M | 27 | $340K |
| #44 | William Nolan | 544147 | Whitefish Credit Union Association | 409281 | Missoula, MT | $11.8M | 27 | $439K |
| #44 | Jason Hill | 582867 | Northwest Funding Group, Inc. | 101770 | Vancouver, WA | $8.1M | 27 | $300K |
| #44 | Maria Phelps | 1403722 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $13.8M | 27 | $511K |
| #44 | Elisha Grace | 175844 | Opportunity Bank of Montana | 412554 | Bozeman, MT | $10.3M | 27 | $382K |
| #44 | Kevin Romanshek | 844870 | Whitefish Credit Union Association | 409281 | Whitefish, MT | $16.1M | 27 | $595K |
| #44 | Edward Nissen | 263692 | CrossCountry Mortgage, LLC | 3029 | Whitefish, MT | $17.7M | 27 | $656K |
These rankings are powered by MMI's nationwide residential mortgage public record dataset. MMI collects mortgage transaction data from recording jurisdictions across the United States, with an average data latency of approximately 22 days from the recording date.
Transactions are matched to NMLS identifiers for loan officers, lenders, and brokers where applicable. MMI then deduplicates, normalizes, and validates this data to create an authoritative mortgage production dataset that powers MMI's analytics, recruiting, marketing, and intelligence products.
Rankings reflect recorded mortgage transactions available to MMI at the time of the last data refresh. Recent activity may continue to update as additional transactions are recorded and processed.
TopMortgageOriginators.com. Top Mortgage Loan Officers by Loan Count — Montana. Powered by MMI public record mortgage production data, accessed July 7, 2026. https://topmortgageoriginators.com/lo-leaderboard/montana/top-overall-by-units
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