Top loan officers in Montana this year, ranked by total volume. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of May 20, 2026, the top 3 include Sara Koelzer (Guaranteed Rate, Inc., NMLS #400361), Oliver Ostrowski (JPMorgan Chase Bank, National Association, NMLS #1422968), and Julie Lapham (Everett Financial, Inc., NMLS #292964).
Updated · Mortgage origination data has varying lag based on county public recording speeds.
| Rank | Loan officer | LO NMLS | Lender / Broker | Lender NMLS | Location | YTD Volume | YTD Loans | Avg Loan |
|---|---|---|---|---|---|---|---|---|
| #1 | Sara Koelzer | 400361 | Guaranteed Rate, Inc. | 2611 | Bozeman, MT | $44.1M | 74 | $596K |
| #2 | Oliver Ostrowski | 1422968 | JPMorgan Chase Bank, National Association | 399798 | New York, NY | $25.0M | 1 | $25.0M |
| #3 | Julie Lapham | 292964 | Everett Financial, Inc. | 2129 | Missoula, MT | $23.8M | 59 | $403K |
| #4 | Virginia Blackshear | 873569 | Morgan Stanley Private Bank, National Association | 663185 | Coppell, TX | $23.3M | 1 | $23.3M |
| #5 | Crystal Eckerson | 400351 | Evergreen Moneysource Mortgage Company | 3182 | Helena, MT | $19.5M | 51 | $383K |
| #6 | Anjum Terzian | 312995 | Wells Fargo Bank, National Association | 399801 | Los Angeles, CA | $19.3M | 1 | $19.3M |
| #7 | Christine Farrington | 193640 | Edge Home Finance, LLC | 891464 | Las Vegas, NV | $16.9M | 33 | $511K |
| #8 | Caroline Roy | 271203 | GoPrime Mortgage, Inc. | 69551 | Bozeman, MT | $15.2M | 30 | $506K |
| #9 | Renee Gaugler | 400368 | Cornerstone Capital Bank, SSB | 2258 | Bozeman, MT | $14.9M | 28 | $532K |
| #10 | Edward Nissen | 263692 | CrossCountry Mortgage, LLC | 3029 | Whitefish, MT | $14.7M | 20 | $734K |
| #11 | Kelly Duray | 716674 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $14.6M | 48 | $305K |
| #12 | Zachary Falk | 2082543 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $14.5M | 28 | $518K |
| #13 | Kevin Romanshek | 844870 | Whitefish Credit Union Association | 409281 | Whitefish, MT | $13.9M | 21 | $662K |
| #14 | Emily Martello | 812363 | CrossCountry Mortgage, LLC | 3029 | Missoula, MT | $13.7M | 37 | $371K |
| #15 | Brian Hafner | 1620055 | Lower, LLC | 1124061 | Billings, MT | $13.4M | 39 | $344K |
| #16 | Shannon O'Hare | 523508 | CrossCountry Mortgage, LLC | 3029 | Bozeman, MT | $13.4M | 26 | $516K |
| #17 | Carla Marinko | 526355 | Stockman Bank of Montana | 440094 | Belgrade, MT | $13.3M | 30 | $442K |
| #18 | Michael Banks | 404629 | Opportunity Bank of Montana | 412554 | Great Falls, MT | $12.6M | 43 | $293K |
| #19 | Casey Moen | 1733091 | Stockman Bank of Montana | 440094 | Great Falls, MT | $11.9M | 36 | $330K |
| #20 | Colleen Wood | 1118454 | Wood Team Home Mortgage LLC | 2535756 | Red Lodge, MT | $11.4M | 21 | $541K |
| #21 | Roderick Leese | 409622 | TrailWest Bank | 677399 | Kalispell, MT | $11.3M | 22 | $513K |
| #22 | John Baldridge | 1942991 | Prosperity Home Mortgage, LLC | 75164 | Newport Beach, CA | $11.2M | 22 | $511K |
| #23 | Matthew Rizzolo | 1724580 | Flathead Valley Mortgage LLC | 2258019 | Columbia Falls, MT | $10.9M | 17 | $643K |
| #24 | Radostina Benner | 1231612 | Glacier Bank | 472212 | Bozeman, MT | $10.9M | 22 | $494K |
| #25 | Simon McCann | 2026946 | Stockman Bank of Montana | 440094 | Missoula, MT | $10.7M | 3 | $3.6M |
| #26 | David Krueger | 1598813 | Montana Family Mortgage, LLC | 1625135 | Missoula, MT | $10.6M | 23 | $462K |
| #27 | Bryon Smith | 259031 | Bryon Smith Mortgage LLC | 259426 | Missoula, MT | $10.6M | 22 | $480K |
| #28 | Lynn Stenerson | 707851 | Stockman Bank of Montana | 440094 | Missoula, MT | $10.4M | 23 | $451K |
| #29 | DeDe Stoner | 250504 | Guild Mortgage Company LLC | 3274 | Billings, MT | $10.1M | 37 | $273K |
| #30 | Lacie Anvik | 954154 | Edge Home Finance, LLC | 891464 | Kalispell, MT | $10.1M | 20 | $505K |
| #31 | Maria Phelps | 1403722 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $10.1M | 20 | $503K |
| #32 | Lindsay Kinniburgh | 339406 | Edge Home Finance, LLC | 891464 | Kalispell, MT | $10.0M | 17 | $588K |
| #33 | Ryan Goudie | 849460 | UBS Bank USA | 947868 | Jacksonville, FL | $9.8M | 2 | $4.9M |
| #34 | Kristen Hook | 2124453 | Glacier Bank | 472212 | Columbia Falls, MT | $9.6M | 18 | $536K |
| #35 | Jason Edmister | 523487 | Stockman Bank of Montana | 440094 | Great Falls, MT | $9.4M | 25 | $375K |
| #36 | Christopher Ackerman | 450337 | Guaranteed Rate, Inc. | 2611 | Billings, MT | $9.1M | 22 | $416K |
| #37 | Stephen Cooney | 487376 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $9.1M | 18 | $507K |
| #38 | Tiffany McNeff | 707795 | FIRST FEDERAL BANK & TRUST | 490477 | Billings, MT | $9.1M | 27 | $338K |
| #39 | Joseph Gabelhausen | 441013 | Opportunity Bank of Montana | 412554 | Missoula, MT | $9.1M | 16 | $569K |
| #40 | Adelina Hanson | 1941846 | Flathead Valley Mortgage LLC | 2258019 | Columbia Falls, MT | $9.1M | 19 | $479K |
| #41 | Kaycee Carroll | 716645 | Opportunity Bank of Montana | 412554 | Billings, MT | $9.0M | 24 | $374K |
| #42 | Kimberly MacDonald | 470804 | U.S. Bank National Association | 402761 | Billings, MT | $8.9M | 16 | $556K |
| #43 | Janice Lake | 240568 | Envoy Mortgage Ltd | 6666 | Kalispell, MT | $8.8M | 24 | $365K |
| #44 | Maddie Clark | 1287840 | Glacier Bank | 472212 | Kalispell, MT | $8.8M | 13 | $673K |
| #45 | William Nolan | 544147 | Whitefish Credit Union Association | 409281 | Missoula, MT | $8.6M | 19 | $453K |
| #46 | Gina Marshall | 489006 | U.S. Bank National Association | 402761 | Hopkins, MN | $8.6M | 12 | $713K |
| #47 | Christopher Kiefel | 642163 | Bank of America, N.A. | 399802 | Melville, NY | $8.4M | 1 | $8.4M |
| #48 | Nicole Hanni | 487293 | Guild Mortgage Company LLC | 3274 | Butte, MT | $8.4M | 35 | $240K |
| #49 | Robert Vallance | 487547 | Opportunity Bank of Montana | 412554 | Missoula, MT | $8.4M | 18 | $465K |
| #50 | Elizabeth Klunder | 716654 | Glacier Bank | 472212 | Billings, MT | $8.4M | 24 | $348K |
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