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 October 9, 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 | $87.7M | 158 | $555K |
| #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 | $54.6M | 132 | $413K |
| #4 | Sherrie Kitto | 501919 | CMG Mortgage, Inc. | 1820 | Bozeman, MT | $54.0M | 16 | $3.4M |
| #5 | Crystal Eckerson | 400351 | Evergreen Moneysource Mortgage Company | 3182 | Helena, MT | $49.6M | 120 | $413K |
| #6 | Anjum Terzian | 312995 | Wells Fargo Bank, National Association | 399801 | Los Angeles, CA | $40.6M | 3 | $13.5M |
| #7 | Brian Hafner | 1620055 | Lower, LLC | 1124061 | Billings, MT | $37.4M | 107 | $349K |
| #8 | Christine Farrington | 193640 | Edge Home Finance, LLC | 891464 | Las Vegas, NV | $34.3M | 63 | $544K |
| #9 | Renee Gaugler | 400368 | Cornerstone Capital Bank, SSB | 2258 | Bozeman, MT | $34.2M | 63 | $543K |
| #10 | Michael Banks | 404629 | Opportunity Bank of Montana | 412554 | Great Falls, MT | $33.7M | 116 | $291K |
| #11 | Adam Demetriou | 740171 | Goldman Sachs Bank USA | 208156 | Dallas, TX | $33.4M | 2 | $16.7M |
| #12 | Kelly Duray | 716674 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $33.1M | 105 | $315K |
| #13 | Emily Martello | 812363 | CrossCountry Mortgage, LLC | 3029 | Missoula, MT | $32.3M | 80 | $404K |
| #14 | Caroline Roy | 271203 | GoPrime Mortgage, Inc. | 69551 | Bozeman, MT | $31.0M | 62 | $500K |
| #15 | Zachary Falk | 2082543 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $28.4M | 57 | $498K |
| #16 | Jessica Haynes | 1854887 | VALLEY FINANCIAL CREDIT UNION | 478488 | Billings, MT | $28.0M | 77 | $363K |
| #17 | Casey Moen | 1733091 | Stockman Bank of Montana | 440094 | Great Falls, MT | $27.2M | 81 | $335K |
| #18 | John Baldridge | 1942991 | Prosperity Home Mortgage, LLC | 75164 | Newport Beach, CA | $26.8M | 54 | $496K |
| #19 | Leonard Bongiovanni | 2787698 | Whitefish Credit Union Association | 409281 | Kalispell, MT | $26.4M | 29 | $909K |
| #20 | Carla Marinko | 526355 | Stockman Bank of Montana | 440094 | Belgrade, MT | $26.2M | 62 | $422K |
| #21 | Christopher Dangerfield | 400362 | Fairway Independent Mortgage Corporation | 2289 | Great Falls, MT | $25.5M | 84 | $303K |
| #22 | Shannon O'Hare | 523508 | CrossCountry Mortgage, LLC | 3029 | Bozeman, MT | $25.3M | 42 | $603K |
| #23 | David Krueger | 1598813 | Montana Family Mortgage, LLC | 1625135 | Missoula, MT | $25.2M | 51 | $493K |
| #24 | Nicole Hanni | 487293 | Guild Mortgage Company LLC | 3274 | Butte, MT | $25.1M | 99 | $253K |
| #25 | Bryon Smith | 259031 | Bryon Smith Mortgage LLC | 259426 | Missoula, MT | $25.0M | 56 | $447K |
| #26 | Oliver Ostrowski | 1422968 | JPMorgan Chase Bank, National Association | 399798 | New York, NY | $25.0M | 1 | $25.0M |
| #27 | Virginia Blackshear | 873569 | Morgan Stanley Private Bank, National Association | 663185 | Coppell, TX | $24.9M | 2 | $12.5M |
| #28 | JESUS RUIDIAZ | 324894 | Citibank, NA | 412915 | West Palm Beach, FL | $23.9M | 2 | $12.0M |
| #29 | Edward Nissen | 263692 | CrossCountry Mortgage, LLC | 3029 | Whitefish, MT | $23.9M | 40 | $598K |
| #30 | Jacqueline Helman | 569014 | VALLEY FINANCIAL CREDIT UNION | 478488 | Billings, MT | $23.5M | 61 | $385K |
| #31 | Tanner Aasheim | 892056 | Glacier Bank | 472212 | Bozeman, MT | $23.1M | 36 | $641K |
| #32 | Colleen Wood | 1118454 | Wood Team Home Mortgage LLC | 2535756 | Red Lodge, MT | $23.0M | 50 | $460K |
| #33 | Kevin Romanshek | 844870 | Whitefish Credit Union Association | 409281 | Whitefish, MT | $23.0M | 43 | $534K |
| #34 | Lindsay Kinniburgh | 339406 | Edge Home Finance, LLC | 891464 | Kalispell, MT | $22.8M | 41 | $556K |
| #35 | Heidi Olson | 80788 | CrossCountry Mortgage, LLC | 3029 | Bigfork, MT | $22.7M | 41 | $553K |
| #36 | Cambria Hidalgo | 2005391 | Glacier Bank | 472212 | Whitefish, MT | $22.7M | 36 | $629K |
| #37 | DeDe Stoner | 250504 | Guild Mortgage Company LLC | 3274 | Billings, MT | $22.6M | 84 | $269K |
| #38 | Maria Phelps | 1403722 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $22.3M | 44 | $506K |
| #39 | Lynn Stenerson | 707851 | Stockman Bank of Montana | 440094 | Missoula, MT | $22.0M | 50 | $439K |
| #40 | Elex McAlear | 830117 | Glacier Bank | 472212 | Bozeman, MT | $21.9M | 27 | $811K |
| #41 | Emily Kennedy | 1400287 | Stockman Bank of Montana | 440094 | Bozeman, MT | $21.7M | 43 | $505K |
| #42 | Maddie Clark | 1287840 | Glacier Bank | 472212 | Kalispell, MT | $20.7M | 33 | $627K |
| #43 | John Johnson | 530137 | JPMorgan Chase Bank, National Association | 399798 | Houston, TX | $20.3M | 7 | $2.9M |
| #44 | Radostina Benner | 1231612 | Glacier Bank | 472212 | Bozeman, MT | $20.2M | 37 | $545K |
| #45 | Stephen Cooney | 487376 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $20.1M | 45 | $446K |
| #46 | Deborah Sokoloski | 716649 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $20.1M | 68 | $295K |
| #47 | Jason Edmister | 523487 | Stockman Bank of Montana | 440094 | Great Falls, MT | $20.0M | 56 | $358K |
| #48 | Tiffany McNeff | 707795 | FIRST FEDERAL BANK & TRUST | 490477 | Billings, MT | $19.9M | 58 | $344K |
| #49 | Elisha Grace | 175844 | Opportunity Bank of Montana | 412554 | Bozeman, MT | $19.8M | 46 | $429K |
| #50 | Sheila Berger | 1493332 | Wells Fargo Bank, National Association | 399801 | Los Angeles, CA | $19.3M | 4 | $4.8M |
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 October 9, 2026. https://topmortgageoriginators.com/lo-leaderboard/montana/top-overall-by-volume
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