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 August 27, 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 | $75.4M | 133 | $567K |
| #2 | Julie Lapham | 292964 | Everett Financial, Inc. | 2129 | Missoula, MT | $42.8M | 105 | $408K |
| #3 | Crystal Eckerson | 400351 | Evergreen Moneysource Mortgage Company | 3182 | Helena, MT | $38.3M | 96 | $399K |
| #4 | Michael Banks | 404629 | Opportunity Bank of Montana | 412554 | Great Falls, MT | $26.3M | 91 | $289K |
| #5 | Kelly Duray | 716674 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $26.9M | 90 | $299K |
| #6 | Brian Hafner | 1620055 | Lower, LLC | 1124061 | Billings, MT | $30.6M | 89 | $344K |
| #7 | Nicole Hanni | 487293 | Guild Mortgage Company LLC | 3274 | Butte, MT | $21.7M | 83 | $261K |
| #8 | DeDe Stoner | 250504 | Guild Mortgage Company LLC | 3274 | Billings, MT | $20.3M | 74 | $275K |
| #9 | Casey Moen | 1733091 | Stockman Bank of Montana | 440094 | Great Falls, MT | $24.1M | 71 | $340K |
| #9 | Emily Martello | 812363 | CrossCountry Mortgage, LLC | 3029 | Missoula, MT | $29.2M | 71 | $411K |
| #11 | Lindsay Lee | 1002501 | Russell Country Federal Credit Union | 421978 | Great Falls, MT | $9.7M | 68 | $142K |
| #12 | Jessica Haynes | 1854887 | VALLEY FINANCIAL CREDIT UNION | 478488 | Billings, MT | $23.8M | 67 | $355K |
| #13 | Christopher Dangerfield | 400362 | Fairway Independent Mortgage Corporation | 2289 | Great Falls, MT | $20.4M | 65 | $314K |
| #14 | Deborah Sokoloski | 716649 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $17.0M | 59 | $289K |
| #15 | Caroline Roy | 271203 | GoPrime Mortgage, Inc. | 69551 | Bozeman, MT | $27.5M | 57 | $482K |
| #15 | Renee Gaugler | 400368 | Cornerstone Capital Bank, SSB | 2258 | Bozeman, MT | $31.5M | 57 | $552K |
| #17 | Christine Farrington | 193640 | Edge Home Finance, LLC | 891464 | Las Vegas, NV | $31.3M | 56 | $558K |
| #18 | Elizabeth Kleppelid | 1512405 | Rocky Mountain Credit Union | 585490 | Helena, MT | $10.0M | 52 | $193K |
| #19 | Tiffany McNeff | 707795 | FIRST FEDERAL BANK & TRUST | 490477 | Billings, MT | $17.5M | 51 | $343K |
| #19 | Carla Marinko | 526355 | Stockman Bank of Montana | 440094 | Belgrade, MT | $20.6M | 51 | $404K |
| #19 | Jason Edmister | 523487 | Stockman Bank of Montana | 440094 | Great Falls, MT | $18.5M | 51 | $363K |
| #22 | Zachary Falk | 2082543 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $24.4M | 50 | $489K |
| #23 | Jacqueline Helman | 569014 | VALLEY FINANCIAL CREDIT UNION | 478488 | Billings, MT | $19.1M | 48 | $399K |
| #23 | Cassidy Leary | 1637124 | Guild Mortgage Company LLC | 3274 | Butte, MT | $12.0M | 48 | $249K |
| #25 | Bryon Smith | 259031 | Bryon Smith Mortgage LLC | 259426 | Missoula, MT | $20.0M | 46 | $434K |
| #26 | John Baldridge | 1942991 | Prosperity Home Mortgage, LLC | 75164 | Newport Beach, CA | $22.6M | 45 | $502K |
| #26 | David Krueger | 1598813 | Montana Family Mortgage, LLC | 1625135 | Missoula, MT | $21.2M | 45 | $470K |
| #28 | Sammy Van Dyke | 776569 | Billings Federal Credit Union | 462141 | Billings, MT | $14.9M | 44 | $338K |
| #28 | Deanna Felix | 1389503 | Clearwater Federal Credit Union | 447584 | — | $12.7M | 44 | $288K |
| #28 | Matthew Gehr | 1549221 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $14.9M | 44 | $338K |
| #31 | Colleen Wood | 1118454 | Wood Team Home Mortgage LLC | 2535756 | Red Lodge, MT | $20.1M | 43 | $467K |
| #32 | Lynn Stenerson | 707851 | Stockman Bank of Montana | 440094 | Missoula, MT | $17.5M | 42 | $418K |
| #33 | Stephen Cooney | 487376 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $18.4M | 41 | $449K |
| #33 | Shannon O'Hare | 523508 | CrossCountry Mortgage, LLC | 3029 | Bozeman, MT | $24.8M | 41 | $604K |
| #33 | Everette Cornwell | 794613 | Stockman Bank of Montana | 440094 | Great Falls, MT | $13.9M | 41 | $339K |
| #33 | Dawn Buckley | 1987137 | Northpointe Bank | 447490 | Grand Rapids, MI | $14.0M | 41 | $342K |
| #37 | Christopher Ackerman | 450337 | Guaranteed Rate, Inc. | 2611 | Billings, MT | $15.6M | 40 | $390K |
| #37 | Tami Hartmann | 523510 | Stockman Bank of Montana | 440094 | Billings, MT | $13.3M | 40 | $332K |
| #37 | William Cockhill | 747566 | Stockman Bank of Montana | 440094 | Helena, MT | $14.9M | 40 | $373K |
| #37 | William Nolan | 544147 | Whitefish Credit Union Association | 409281 | Missoula, MT | $17.1M | 40 | $428K |
| #41 | Maria Phelps | 1403722 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $20.3M | 39 | $521K |
| #41 | Robert Vallance | 487547 | Opportunity Bank of Montana | 412554 | Missoula, MT | $17.4M | 39 | $446K |
| #41 | Kaycee Carroll | 716645 | YELLOWSTONE BANK, THE | 403398 | Billings, MT | $13.4M | 39 | $344K |
| #44 | Acacia Madill | 1268142 | YELLOWSTONE BANK, THE | 403398 | Billings, MT | $14.0M | 38 | $368K |
| #44 | Elizabeth Klunder | 716654 | Glacier Bank | 472212 | Billings, MT | $16.6M | 38 | $437K |
| #44 | Edward Nissen | 263692 | CrossCountry Mortgage, LLC | 3029 | Whitefish, MT | $23.5M | 38 | $618K |
| #44 | Lindsay Kinniburgh | 339406 | Edge Home Finance, LLC | 891464 | Kalispell, MT | $21.3M | 38 | $561K |
| #44 | Curtis Gannon | 236333 | Glacier Bank | 472212 | Butte, MT | $9.6M | 38 | $252K |
| #49 | Kelly Topinka | 217148 | Rocky Mountain Credit Union | 585490 | Bozeman, MT | $7.6M | 37 | $205K |
| #49 | Heidi Olson | 80788 | CrossCountry Mortgage, LLC | 3029 | Bigfork, MT | $20.6M | 37 | $557K |
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 August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/montana/top-overall-by-units/2026
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