Top loan officers in Montana in 2026, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of July 13, 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 | 2026 Volume | 2026 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 | $31.8M | 79 | $402K |
| #3 | Crystal Eckerson | 400351 | Evergreen Moneysource Mortgage Company | 3182 | Helena, MT | $27.1M | 70 | $387K |
| #4 | Brian Hafner | 1620055 | Lower, LLC | 1124061 | Billings, MT | $24.7M | 69 | $359K |
| #5 | Michael Banks | 404629 | Opportunity Bank of Montana | 412554 | Great Falls, MT | $20.0M | 68 | $294K |
| #6 | Nicole Hanni | 487293 | Guild Mortgage Company LLC | 3274 | Butte, MT | $15.9M | 65 | $244K |
| #7 | Kelly Duray | 716674 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $19.8M | 63 | $315K |
| #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 | $22.1M | 56 | $395K |
| #10 | DeDe Stoner | 250504 | Guild Mortgage Company LLC | 3274 | Billings, MT | $15.8M | 54 | $293K |
| #11 | Casey Moen | 1733091 | Stockman Bank of Montana | 440094 | Great Falls, MT | $17.9M | 53 | $338K |
| #12 | Jessica Haynes | 1854887 | VALLEY FINANCIAL CREDIT UNION | 478488 | Billings, MT | $16.8M | 48 | $349K |
| #13 | Caroline Roy | 271203 | GoPrime Mortgage, Inc. | 69551 | Bozeman, MT | $21.9M | 45 | $487K |
| #14 | Deborah Sokoloski | 716649 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $12.7M | 44 | $288K |
| #15 | Carla Marinko | 526355 | Stockman Bank of Montana | 440094 | Belgrade, MT | $16.9M | 42 | $403K |
| #16 | Tiffany McNeff | 707795 | FIRST FEDERAL BANK & TRUST | 490477 | Billings, MT | $13.7M | 41 | $334K |
| #17 | John Baldridge | 1942991 | Prosperity Home Mortgage, LLC | 75164 | Newport Beach, CA | $17.4M | 37 | $471K |
| #17 | Renee Gaugler | 400368 | Cornerstone Capital Bank, SSB | 2258 | Bozeman, MT | $18.7M | 37 | $506K |
| #17 | Christine Farrington | 193640 | Edge Home Finance, LLC | 891464 | Las Vegas, NV | $18.3M | 37 | $495K |
| #17 | Sammy Van Dyke | 776569 | Billings Federal Credit Union | 462141 | Billings, MT | $11.9M | 37 | $323K |
| #21 | Zachary Falk | 2082543 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $17.4M | 35 | $498K |
| #21 | Matthew Gehr | 1549221 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $11.6M | 35 | $333K |
| #23 | Elizabeth Kleppelid | 1512405 | Rocky Mountain Credit Union | 585490 | Helena, MT | $6.9M | 34 | $202K |
| #23 | Cassidy Leary | 1637124 | Guild Mortgage Company LLC | 3274 | Butte, MT | $7.5M | 34 | $219K |
| #23 | Shannon O'Hare | 523508 | CrossCountry Mortgage, LLC | 3029 | Bozeman, MT | $19.5M | 34 | $573K |
| #26 | Kaycee Carroll | 716645 | Opportunity Bank of Montana | 412554 | Billings, MT | $11.8M | 33 | $357K |
| #26 | Bryon Smith | 259031 | Bryon Smith Mortgage LLC | 259426 | Missoula, MT | $15.2M | 33 | $460K |
| #28 | Acacia Madill | 1268142 | YELLOWSTONE BANK, THE | 403398 | Billings, MT | $12.4M | 32 | $388K |
| #28 | Colleen Wood | 1118454 | Wood Team Home Mortgage LLC | 2535756 | Red Lodge, MT | $15.0M | 32 | $470K |
| #28 | Elizabeth Klunder | 716654 | Glacier Bank | 472212 | Billings, MT | $12.1M | 32 | $377K |
| #28 | Dawn Buckley | 1987137 | U.S. Bank National Association | 402761 | Helena, MT | $10.9M | 32 | $339K |
| #32 | Jacqueline Helman | 569014 | VALLEY FINANCIAL CREDIT UNION | 478488 | Billings, MT | $11.3M | 31 | $363K |
| #32 | David Krueger | 1598813 | Montana Family Mortgage, LLC | 1625135 | Missoula, MT | $14.8M | 31 | $477K |
| #32 | Christopher Ackerman | 450337 | Guaranteed Rate, Inc. | 2611 | Billings, MT | $12.3M | 31 | $396K |
| #32 | Sara Reiss | 2630424 | Russell Country Federal Credit Union | 421978 | — | $4.7M | 31 | $150K |
| #32 | William Cockhill | 747566 | Stockman Bank of Montana | 440094 | Helena, MT | $11.1M | 31 | $358K |
| #37 | Robert Vallance | 487547 | Opportunity Bank of Montana | 412554 | Missoula, MT | $13.3M | 29 | $458K |
| #37 | Lynn Stenerson | 707851 | Stockman Bank of Montana | 440094 | Missoula, MT | $12.2M | 29 | $422K |
| #37 | Kimberly MacDonald | 470804 | U.S. Bank National Association | 402761 | Billings, MT | $14.7M | 29 | $506K |
| #37 | Tami Hartmann | 523510 | Stockman Bank of Montana | 440094 | Billings, MT | $10.0M | 29 | $344K |
| #37 | Christopher Dangerfield | 400362 | Fairway Independent Mortgage Corporation | 2289 | Great Falls, MT | $9.4M | 29 | $325K |
| #37 | Jason Edmister | 523487 | Stockman Bank of Montana | 440094 | Great Falls, MT | $10.6M | 29 | $365K |
| #37 | Jason Hill | 582867 | Northwest Funding Group, Inc. | 101770 | Vancouver, WA | $9.5M | 29 | $328K |
| #44 | Elisha Grace | 175844 | Opportunity Bank of Montana | 412554 | Bozeman, MT | $10.5M | 28 | $376K |
| #44 | Brittany Lakey | 1188177 | Whitefish Credit Union Association | 409281 | Thompson Falls, MT | $8.3M | 28 | $297K |
| #44 | Janice Lake | 240568 | Envoy Mortgage Ltd | 6666 | Kalispell, MT | $10.9M | 28 | $388K |
| #44 | William Nolan | 544147 | Whitefish Credit Union Association | 409281 | Missoula, MT | $11.9M | 28 | $426K |
| #44 | Stephen Cooney | 487376 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $13.8M | 28 | $494K |
| #44 | Curtis Gannon | 236333 | Glacier Bank | 472212 | Butte, MT | $7.9M | 28 | $282K |
| #44 | Yvonne Kelly | 523512 | Premier Mortgage Resources, L.L.C. | 1169 | Billings, MT | $9.6M | 28 | $343K |
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 (2026). Powered by MMI public record mortgage production data, accessed July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/montana/top-overall-by-units/2026
Powered by ChatMMI