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 August 23, 2026, the top 3 include Sara Koelzer (Guaranteed Rate, Inc., NMLS #400361), Christian Young (JPMorgan Chase Bank, National Association, NMLS #1704495), 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 | $74.2M | 131 | $566K |
| #2 | Christian Young | 1704495 | JPMorgan Chase Bank, National Association | 399798 | Houston, TX | $72.1M | 3 | $24.0M |
| #3 | Julie Lapham | 292964 | Everett Financial, Inc. | 2129 | Missoula, MT | $40.9M | 101 | $405K |
| #4 | Anjum Terzian | 312995 | Wells Fargo Bank, National Association | 399801 | Los Angeles, CA | $40.6M | 3 | $13.5M |
| #5 | Crystal Eckerson | 400351 | Evergreen Moneysource Mortgage Company | 3182 | Helena, MT | $36.3M | 92 | $395K |
| #6 | Adam Demetriou | 740171 | Goldman Sachs Bank USA | 208156 | Dallas, TX | $33.4M | 2 | $16.7M |
| #7 | Brian Hafner | 1620055 | Lower, LLC | 1124061 | Billings, MT | $30.6M | 89 | $344K |
| #8 | Renee Gaugler | 400368 | Cornerstone Capital Bank, SSB | 2258 | Bozeman, MT | $30.1M | 54 | $557K |
| #9 | Christine Farrington | 193640 | Edge Home Finance, LLC | 891464 | Las Vegas, NV | $29.4M | 53 | $555K |
| #10 | Emily Martello | 812363 | CrossCountry Mortgage, LLC | 3029 | Missoula, MT | $28.0M | 68 | $412K |
| #11 | Caroline Roy | 271203 | GoPrime Mortgage, Inc. | 69551 | Bozeman, MT | $27.2M | 56 | $485K |
| #12 | Kelly Duray | 716674 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $26.9M | 90 | $299K |
| #13 | Michael Banks | 404629 | Opportunity Bank of Montana | 412554 | Great Falls, MT | $25.5M | 87 | $293K |
| #14 | Oliver Ostrowski | 1422968 | JPMorgan Chase Bank, National Association | 399798 | New York, NY | $25.0M | 1 | $25.0M |
| #15 | Virginia Blackshear | 873569 | Morgan Stanley Private Bank, National Association | 663185 | Coppell, TX | $24.9M | 2 | $12.5M |
| #16 | Shannon O'Hare | 523508 | CrossCountry Mortgage, LLC | 3029 | Bozeman, MT | $24.8M | 41 | $604K |
| #17 | Casey Moen | 1733091 | Stockman Bank of Montana | 440094 | Great Falls, MT | $24.1M | 71 | $340K |
| #18 | Jessica Haynes | 1854887 | VALLEY FINANCIAL CREDIT UNION | 478488 | Billings, MT | $23.4M | 66 | $354K |
| #19 | Edward Nissen | 263692 | CrossCountry Mortgage, LLC | 3029 | Whitefish, MT | $23.2M | 36 | $644K |
| #20 | John Baldridge | 1942991 | Prosperity Home Mortgage, LLC | 75164 | Newport Beach, CA | $22.6M | 45 | $502K |
| #21 | Zachary Falk | 2082543 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $22.4M | 46 | $487K |
| #22 | Nicole Hanni | 487293 | Guild Mortgage Company LLC | 3274 | Butte, MT | $21.0M | 81 | $259K |
| #23 | David Krueger | 1598813 | Montana Family Mortgage, LLC | 1625135 | Missoula, MT | $20.9M | 44 | $474K |
| #24 | Carla Marinko | 526355 | Stockman Bank of Montana | 440094 | Belgrade, MT | $20.6M | 51 | $404K |
| #25 | Heidi Olson | 80788 | CrossCountry Mortgage, LLC | 3029 | Bigfork, MT | $20.6M | 37 | $557K |
| #26 | Lindsay Kinniburgh | 339406 | Edge Home Finance, LLC | 891464 | Kalispell, MT | $20.2M | 36 | $562K |
| #27 | Colleen Wood | 1118454 | Wood Team Home Mortgage LLC | 2535756 | Red Lodge, MT | $20.0M | 42 | $476K |
| #28 | Bryon Smith | 259031 | Bryon Smith Mortgage LLC | 259426 | Missoula, MT | $20.0M | 46 | $434K |
| #29 | Christopher Dangerfield | 400362 | Fairway Independent Mortgage Corporation | 2289 | Great Falls, MT | $19.9M | 64 | $311K |
| #30 | DeDe Stoner | 250504 | Guild Mortgage Company LLC | 3274 | Billings, MT | $19.8M | 71 | $279K |
| #31 | Tanner Aasheim | 892056 | Glacier Bank | 472212 | Bozeman, MT | $19.6M | 30 | $652K |
| #32 | Maria Phelps | 1403722 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $19.3M | 37 | $522K |
| #33 | Jacqueline Helman | 569014 | VALLEY FINANCIAL CREDIT UNION | 478488 | Billings, MT | $19.1M | 48 | $399K |
| #34 | Jason Edmister | 523487 | Stockman Bank of Montana | 440094 | Great Falls, MT | $18.5M | 51 | $363K |
| #35 | Kevin Romanshek | 844870 | Whitefish Credit Union Association | 409281 | Whitefish, MT | $18.4M | 34 | $540K |
| #36 | Cambria Hidalgo | 2005391 | Glacier Bank | 472212 | Whitefish, MT | $18.0M | 28 | $642K |
| #37 | Lynn Stenerson | 707851 | Stockman Bank of Montana | 440094 | Missoula, MT | $18.0M | 43 | $418K |
| #38 | Stephen Cooney | 487376 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $17.9M | 39 | $458K |
| #39 | Tiffany McNeff | 707795 | FIRST FEDERAL BANK & TRUST | 490477 | Billings, MT | $17.5M | 51 | $343K |
| #40 | Kimberly MacDonald | 470804 | U.S. Bank National Association | 402761 | Billings, MT | $17.0M | 35 | $486K |
| #41 | Maddie Clark | 1287840 | Glacier Bank | 472212 | Kalispell, MT | $16.8M | 27 | $624K |
| #42 | William Nolan | 544147 | Whitefish Credit Union Association | 409281 | Missoula, MT | $16.7M | 39 | $429K |
| #43 | Elizabeth Klunder | 716654 | Glacier Bank | 472212 | Billings, MT | $16.6M | 38 | $437K |
| #44 | Robert Vallance | 487547 | Opportunity Bank of Montana | 412554 | Missoula, MT | $16.3M | 36 | $454K |
| #45 | Deborah Sokoloski | 716649 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $16.3M | 57 | $286K |
| #46 | Radostina Benner | 1231612 | Glacier Bank | 472212 | Bozeman, MT | $16.0M | 29 | $553K |
| #47 | Christopher Ackerman | 450337 | Guaranteed Rate, Inc. | 2611 | Billings, MT | $15.6M | 40 | $390K |
| #48 | Elisha Grace | 175844 | Opportunity Bank of Montana | 412554 | Bozeman, MT | $15.4M | 35 | $441K |
| #49 | Emily Kennedy | 1400287 | Stockman Bank of Montana | 440094 | Bozeman, MT | $15.1M | 31 | $487K |
| #50 | Joseph Gabelhausen | 441013 | Opportunity Bank of Montana | 412554 | Missoula, MT | $15.0M | 29 | $519K |
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 August 23, 2026. https://topmortgageoriginators.com/lo-leaderboard/montana/top-overall-by-volume
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