Top loan officers in Montana in 2026 so far, ranked by total volume. 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), Anjum Terzian (Wells Fargo Bank, National Association, NMLS #312995), and Julie Lapham (Everett Financial, Inc., NMLS #292964).
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 | Anjum Terzian | 312995 | Wells Fargo Bank, National Association | 399801 | Los Angeles, CA | $40.6M | 3 | $13.5M |
| #3 | Julie Lapham | 292964 | Everett Financial, Inc. | 2129 | Missoula, MT | $31.5M | 78 | $404K |
| #4 | Crystal Eckerson | 400351 | Evergreen Moneysource Mortgage Company | 3182 | Helena, MT | $26.0M | 67 | $388K |
| #5 | Oliver Ostrowski | 1422968 | JPMorgan Chase Bank, National Association | 399798 | New York, NY | $25.0M | 1 | $25.0M |
| #6 | Virginia Blackshear | 873569 | Morgan Stanley Private Bank, National Association | 663185 | Coppell, TX | $24.9M | 2 | $12.5M |
| #7 | Brian Hafner | 1620055 | Lower, LLC | 1124061 | Billings, MT | $23.9M | 67 | $356K |
| #8 | Caroline Roy | 271203 | GoPrime Mortgage, Inc. | 69551 | Bozeman, MT | $21.9M | 45 | $487K |
| #9 | Emily Martello | 812363 | CrossCountry Mortgage, LLC | 3029 | Missoula, MT | $20.9M | 54 | $388K |
| #10 | Shannon O'Hare | 523508 | CrossCountry Mortgage, LLC | 3029 | Bozeman, MT | $19.5M | 34 | $573K |
| #11 | Michael Banks | 404629 | Opportunity Bank of Montana | 412554 | Great Falls, MT | $19.2M | 65 | $295K |
| #12 | Kelly Duray | 716674 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $19.1M | 61 | $313K |
| #13 | Renee Gaugler | 400368 | Cornerstone Capital Bank, SSB | 2258 | Bozeman, MT | $18.6M | 36 | $516K |
| #14 | Christine Farrington | 193640 | Edge Home Finance, LLC | 891464 | Las Vegas, NV | $18.3M | 37 | $495K |
| #15 | Edward Nissen | 263692 | CrossCountry Mortgage, LLC | 3029 | Whitefish, MT | $17.7M | 27 | $656K |
| #16 | Casey Moen | 1733091 | Stockman Bank of Montana | 440094 | Great Falls, MT | $17.5M | 52 | $337K |
| #17 | John Baldridge | 1942991 | Prosperity Home Mortgage, LLC | 75164 | Newport Beach, CA | $17.4M | 37 | $471K |
| #18 | Zachary Falk | 2082543 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $17.1M | 34 | $504K |
| #19 | Carla Marinko | 526355 | Stockman Bank of Montana | 440094 | Belgrade, MT | $16.6M | 41 | $405K |
| #20 | Kevin Romanshek | 844870 | Whitefish Credit Union Association | 409281 | Whitefish, MT | $16.1M | 27 | $595K |
| #21 | Lindsay Kinniburgh | 339406 | Edge Home Finance, LLC | 891464 | Kalispell, MT | $15.0M | 25 | $601K |
| #22 | Bryon Smith | 259031 | Bryon Smith Mortgage LLC | 259426 | Missoula, MT | $14.7M | 32 | $460K |
| #23 | Colleen Wood | 1118454 | Wood Team Home Mortgage LLC | 2535756 | Red Lodge, MT | $14.6M | 31 | $472K |
| #24 | DeDe Stoner | 250504 | Guild Mortgage Company LLC | 3274 | Billings, MT | $14.5M | 51 | $284K |
| #25 | Nicole Hanni | 487293 | Guild Mortgage Company LLC | 3274 | Butte, MT | $14.4M | 61 | $236K |
| #26 | Jessica Haynes | 1854887 | VALLEY FINANCIAL CREDIT UNION | 478488 | Billings, MT | $14.2M | 41 | $347K |
| #27 | David Krueger | 1598813 | Montana Family Mortgage, LLC | 1625135 | Missoula, MT | $14.2M | 30 | $474K |
| #28 | Stephen Cooney | 487376 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $13.8M | 28 | $494K |
| #29 | Maria Phelps | 1403722 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $13.8M | 27 | $511K |
| #30 | Kimberly MacDonald | 470804 | U.S. Bank National Association | 402761 | Billings, MT | $13.7M | 28 | $488K |
| #31 | Tiffany McNeff | 707795 | FIRST FEDERAL BANK & TRUST | 490477 | Billings, MT | $13.3M | 40 | $333K |
| #32 | Heidi Olson | 80788 | CrossCountry Mortgage, LLC | 3029 | Bigfork, MT | $12.9M | 23 | $559K |
| #33 | Robert Vallance | 487547 | Opportunity Bank of Montana | 412554 | Missoula, MT | $12.8M | 28 | $457K |
| #34 | Kristen Hook | 2124453 | Glacier Bank | 472212 | Columbia Falls, MT | $12.6M | 23 | $549K |
| #35 | Radostina Benner | 1231612 | Glacier Bank | 472212 | Bozeman, MT | $12.6M | 25 | $503K |
| #36 | Tanner Aasheim | 892056 | Glacier Bank | 472212 | Bozeman, MT | $12.6M | 20 | $628K |
| #37 | Matthew Rizzolo | 1724580 | Flathead Valley Mortgage LLC | 2258019 | Columbia Falls, MT | $12.1M | 20 | $607K |
| #38 | Christopher Ackerman | 450337 | Guaranteed Rate, Inc. | 2611 | Billings, MT | $12.1M | 30 | $403K |
| #39 | Joseph Gabelhausen | 441013 | Opportunity Bank of Montana | 412554 | Missoula, MT | $12.1M | 23 | $525K |
| #40 | Acacia Madill | 1268142 | YELLOWSTONE BANK, THE | 403398 | Billings, MT | $12.1M | 31 | $389K |
| #41 | Elizabeth Klunder | 716654 | Glacier Bank | 472212 | Billings, MT | $11.8M | 31 | $382K |
| #42 | William Nolan | 544147 | Whitefish Credit Union Association | 409281 | Missoula, MT | $11.8M | 27 | $439K |
| #43 | Lynn Stenerson | 707851 | Stockman Bank of Montana | 440094 | Missoula, MT | $11.8M | 28 | $421K |
| #44 | Sammy Van Dyke | 776569 | Billings Federal Credit Union | 462141 | Billings, MT | $11.6M | 36 | $323K |
| #45 | Kaycee Carroll | 716645 | Opportunity Bank of Montana | 412554 | Billings, MT | $11.6M | 32 | $361K |
| #46 | Roderick Leese | 409622 | TrailWest Bank | 677399 | Kalispell, MT | $11.5M | 23 | $500K |
| #47 | Leonard Bongiovanni | 2787698 | Whitefish Credit Union Association | 409281 | Kalispell, MT | $11.5M | 14 | $819K |
| #48 | Matthew Gehr | 1549221 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $11.4M | 33 | $347K |
| #49 | Adelina Hanson | 1941846 | Flathead Valley Mortgage LLC | 2258019 | Columbia Falls, MT | $11.3M | 21 | $538K |
| #50 | Gina Marshall | 489006 | U.S. Bank National Association | 402761 | Hopkins, MN | $11.3M | 17 | $663K |
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 Volume — Montana. Powered by MMI public record mortgage production data, accessed July 7, 2026. https://topmortgageoriginators.com/lo-leaderboard/montana/top-overall-by-volume
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