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 October 9, 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 | $87.7M | 158 | $555K |
| #2 | Julie Lapham | 292964 | Everett Financial, Inc. | 2129 | Missoula, MT | $54.6M | 132 | $413K |
| #3 | Crystal Eckerson | 400351 | Evergreen Moneysource Mortgage Company | 3182 | Helena, MT | $49.6M | 120 | $413K |
| #4 | Michael Banks | 404629 | Opportunity Bank of Montana | 412554 | Great Falls, MT | $33.7M | 116 | $291K |
| #5 | Brian Hafner | 1620055 | Lower, LLC | 1124061 | Billings, MT | $37.4M | 107 | $349K |
| #6 | Kelly Duray | 716674 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $33.1M | 105 | $315K |
| #7 | Nicole Hanni | 487293 | Guild Mortgage Company LLC | 3274 | Butte, MT | $25.1M | 99 | $253K |
| #8 | Lindsay Lee | 1002501 | Russell Country Federal Credit Union | 421978 | Great Falls, MT | $12.8M | 85 | $151K |
| #9 | DeDe Stoner | 250504 | Guild Mortgage Company LLC | 3274 | Billings, MT | $22.6M | 84 | $269K |
| #9 | Christopher Dangerfield | 400362 | Fairway Independent Mortgage Corporation | 2289 | Great Falls, MT | $25.5M | 84 | $303K |
| #11 | Casey Moen | 1733091 | Stockman Bank of Montana | 440094 | Great Falls, MT | $27.2M | 81 | $335K |
| #12 | Emily Martello | 812363 | CrossCountry Mortgage, LLC | 3029 | Missoula, MT | $32.3M | 80 | $404K |
| #13 | Jessica Haynes | 1854887 | VALLEY FINANCIAL CREDIT UNION | 478488 | Billings, MT | $28.0M | 77 | $363K |
| #14 | Deborah Sokoloski | 716649 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $20.1M | 68 | $295K |
| #15 | Renee Gaugler | 400368 | Cornerstone Capital Bank, SSB | 2258 | Bozeman, MT | $34.2M | 63 | $543K |
| #15 | Christine Farrington | 193640 | Edge Home Finance, LLC | 891464 | Las Vegas, NV | $34.3M | 63 | $544K |
| #15 | Elizabeth Kleppelid | 1512405 | Rocky Mountain Credit Union | 585490 | Helena, MT | $12.3M | 63 | $195K |
| #18 | Caroline Roy | 271203 | GoPrime Mortgage, Inc. | 69551 | Bozeman, MT | $31.0M | 62 | $500K |
| #18 | Carla Marinko | 526355 | Stockman Bank of Montana | 440094 | Belgrade, MT | $26.2M | 62 | $422K |
| #20 | Jacqueline Helman | 569014 | VALLEY FINANCIAL CREDIT UNION | 478488 | Billings, MT | $23.5M | 61 | $385K |
| #21 | Tiffany McNeff | 707795 | FIRST FEDERAL BANK & TRUST | 490477 | Billings, MT | $19.9M | 58 | $344K |
| #22 | Zachary Falk | 2082543 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $28.4M | 57 | $498K |
| #23 | Jason Edmister | 523487 | Stockman Bank of Montana | 440094 | Great Falls, MT | $20.0M | 56 | $358K |
| #23 | Bryon Smith | 259031 | Bryon Smith Mortgage LLC | 259426 | Missoula, MT | $25.0M | 56 | $447K |
| #25 | John Baldridge | 1942991 | Prosperity Home Mortgage, LLC | 75164 | Newport Beach, CA | $26.8M | 54 | $496K |
| #25 | Cassidy Leary | 1637124 | Guild Mortgage Company LLC | 3274 | Butte, MT | $14.0M | 54 | $259K |
| #27 | Curtis Gannon | 236333 | Glacier Bank | 472212 | Butte, MT | $14.9M | 52 | $286K |
| #28 | David Krueger | 1598813 | Montana Family Mortgage, LLC | 1625135 | Missoula, MT | $25.2M | 51 | $493K |
| #29 | Lynn Stenerson | 707851 | Stockman Bank of Montana | 440094 | Missoula, MT | $22.0M | 50 | $439K |
| #29 | Colleen Wood | 1118454 | Wood Team Home Mortgage LLC | 2535756 | Red Lodge, MT | $23.0M | 50 | $460K |
| #29 | Sammy Van Dyke | 776569 | Billings Federal Credit Union | 462141 | Billings, MT | $16.7M | 50 | $334K |
| #32 | Christopher Ackerman | 450337 | Guaranteed Rate, Inc. | 2611 | Billings, MT | $19.2M | 48 | $400K |
| #32 | Matthew Gehr | 1549221 | Jenks & Gehr Mortgage, LLC | 2898535 | Missoula, MT | $17.5M | 48 | $365K |
| #34 | William Cockhill | 747566 | Stockman Bank of Montana | 440094 | Helena, MT | $17.4M | 47 | $370K |
| #35 | William Nolan | 544147 | Whitefish Credit Union Association | 409281 | Missoula, MT | $19.2M | 46 | $417K |
| #35 | Tami Hartmann | 523510 | Stockman Bank of Montana | 440094 | Billings, MT | $15.2M | 46 | $329K |
| #35 | Kaycee Carroll | 716645 | YELLOWSTONE BANK, THE | 403398 | Billings, MT | $15.7M | 46 | $341K |
| #35 | Everette Cornwell | 794613 | Stockman Bank of Montana | 440094 | Great Falls, MT | $15.3M | 46 | $332K |
| #35 | Elisha Grace | 175844 | Opportunity Bank of Montana | 412554 | Bozeman, MT | $19.8M | 46 | $429K |
| #40 | Stephen Cooney | 487376 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $20.1M | 45 | $446K |
| #40 | Kelly Topinka | 217148 | Rocky Mountain Credit Union | 585490 | Bozeman, MT | $8.9M | 45 | $197K |
| #40 | Acacia Madill | 1268142 | YELLOWSTONE BANK, THE | 403398 | Billings, MT | $16.3M | 45 | $362K |
| #40 | LILLY BEEBE | 1739116 | Whitefish Credit Union Association | 409281 | Columbia Falls, MT | $12.6M | 45 | $279K |
| #44 | Maria Phelps | 1403722 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $22.3M | 44 | $506K |
| #44 | Deanna Felix | 1389503 | Stockman Bank of Montana | 440094 | Missoula, MT | $12.7M | 44 | $288K |
| #44 | RANDY HOAG | 1043618 | Guaranteed Rate, Inc. | 2611 | Montana City, MT | $16.9M | 44 | $383K |
| #44 | Janice Lake | 240568 | Envoy Mortgage Ltd | 6666 | Kalispell, MT | $15.8M | 44 | $359K |
| #48 | Emily Kennedy | 1400287 | Stockman Bank of Montana | 440094 | Bozeman, MT | $21.7M | 43 | $505K |
| #48 | Dawn Buckley | 1987137 | Northpointe Bank | 447490 | Grand Rapids, MI | $14.8M | 43 | $344K |
| #48 | Brittany Lakey | 1188177 | Whitefish Credit Union Association | 409281 | Thompson Falls, MT | $13.4M | 43 | $312K |
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 October 9, 2026. https://topmortgageoriginators.com/lo-leaderboard/montana/top-overall-by-units
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