Top loan officers in Montana in 2023, ranked by total volume. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of May 28, 2026, the top 3 include Julie Lapham (Everett Financial, Inc., NMLS #292964), Sara Koelzer (Guaranteed Rate, Inc., NMLS #400361), and Shannon Foley (CMG Mortgage, Inc., NMLS #265969).
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 | 2023 Volume | 2023 Loans | Avg Loan |
|---|---|---|---|---|---|---|---|---|
| #1 | Julie Lapham | 292964 | Everett Financial, Inc. | 2129 | Missoula, MT | $59.8M | 139 | $430K |
| #2 | Sara Koelzer | 400361 | Guaranteed Rate, Inc. | 2611 | Bozeman, MT | $59.2M | 113 | $524K |
| #3 | Shannon Foley | 265969 | CMG Mortgage, Inc. | 1820 | Holladay, UT | $45.9M | 30 | $1.5M |
| #4 | Crystal Eckerson | 400351 | Evergreen Moneysource Mortgage Company | 3182 | Helena, MT | $45.2M | 126 | $359K |
| #5 | Kelly Duray | 716674 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $28.7M | 91 | $316K |
| #6 | Michael Banks | 404629 | Opportunity Bank of Montana | 412554 | Great Falls, MT | $25.7M | 95 | $271K |
| #7 | Gina Marshall | 489006 | U.S. Bank National Association | 402761 | Hopkins, MN | $25.6M | 27 | $949K |
| #8 | Brian Hafner | 1620055 | Lower, LLC | 1124061 | Billings, MT | $25.3M | 79 | $320K |
| #9 | Deborah Sokoloski | 716649 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $25.1M | 79 | $318K |
| #10 | Caroline Roy | 271203 | GoPrime Mortgage, Inc. | 69551 | Bozeman, MT | $24.7M | 51 | $484K |
| #11 | John Baldridge | 1942991 | Prosperity Home Mortgage, LLC | 75164 | Newport Beach, CA | $24.6M | 65 | $379K |
| #12 | Christine Farrington | 193640 | Edge Home Finance, LLC | 891464 | Las Vegas, NV | $22.9M | 54 | $424K |
| #13 | Bryon Smith | 259031 | Bryon Smith Mortgage LLC | 259426 | Missoula, MT | $22.8M | 50 | $457K |
| #14 | Joe Cortez | 695479 | Citibank, NA | 412915 | San Francisco, CA | $22.7M | 2 | $11.3M |
| #15 | KYLE ELLIOTT | 2144040 | Manufacturers and Traders Trust Company | 381076 | — | $22.6M | 45 | $502K |
| #16 | Colleen Wood | 1118454 | Wood Team Home Mortgage LLC | 2535756 | Red Lodge, MT | $22.1M | 42 | $526K |
| #17 | Christopher Dangerfield | 400362 | Fairway Independent Mortgage Corporation | 2289 | Great Falls, MT | $21.6M | 82 | $264K |
| #18 | Kimberly Kemppainen | 349412 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | $21.5M | 33 | $652K |
| #19 | Emma Penna | 2053766 | Great Western Home Loans, Inc. | 1829215 | Bozeman, MT | $21.4M | 50 | $428K |
| #20 | Kimberly MacDonald | 470804 | U.S. Bank National Association | 402761 | Billings, MT | $20.8M | 43 | $483K |
| #21 | Kyle Hanson | 1528390 | Whitefish Credit Union Association | 409281 | — | $20.7M | 26 | $797K |
| #22 | Elex McAlear | 830117 | Glacier Bank | 472212 | Bozeman, MT | $20.7M | 28 | $738K |
| #23 | Casey Moen | 1733091 | Stockman Bank of Montana | 440094 | Great Falls, MT | $20.6M | 73 | $282K |
| #24 | Stephen Cooney | 487376 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $20.4M | 49 | $416K |
| #25 | Jason Edmister | 523487 | Stockman Bank of Montana | 440094 | Great Falls, MT | $20.0M | 60 | $333K |
| #26 | Nicole Hanni | 487293 | Guild Mortgage Company LLC | 3274 | Butte, MT | $19.9M | 72 | $277K |
| #27 | Edward Nissen | 263692 | CrossCountry Mortgage, LLC | 3029 | Whitefish, MT | $19.8M | 43 | $461K |
| #28 | David Christensen | 290471 | Mountain Lake Mortgage Corporation | 270653 | Kalispell, MT | $19.7M | 43 | $459K |
| #29 | Scott Lucier | 1637174 | loanDepot.com, LLC | 174457 | Boise, ID | $19.6M | 48 | $408K |
| #30 | Shannon O'Hare | 523508 | CrossCountry Mortgage, LLC | 3029 | Bozeman, MT | $19.5M | 36 | $543K |
| #31 | Matt Wilkerson | 1513347 | UBS Bank USA, National Association | 947868 | Plano, TX | $19.4M | 3 | $6.5M |
| #32 | Lindsay Lee | 1002501 | MONTANA FEDERAL CREDIT UNION | 466184 | — | $19.1M | 162 | $118K |
| #33 | James Shirley | 91137 | Gum Tree Mortgage, LLC | 70653 | Bozeman, MT | $18.7M | 30 | $624K |
| #34 | Carla Marinko | 526355 | Stockman Bank of Montana | 440094 | Belgrade, MT | $18.7M | 43 | $435K |
| #35 | DeDe Stoner | 250504 | Guild Mortgage Company LLC | 3274 | Billings, MT | $18.7M | 67 | $279K |
| #36 | Robert Vallance | 487547 | Opportunity Bank of Montana | 412554 | Missoula, MT | $18.4M | 47 | $391K |
| #37 | Mark Dowaliby | 1517590 | Whitefish Credit Union Association | 409281 | — | $17.8M | 52 | $342K |
| #38 | Mason Walker | 707869 | Independence Bank | 462921 | Great Falls, MT | $17.7M | 59 | $300K |
| #39 | Emily Martello | 812363 | CrossCountry Mortgage, LLC | 3029 | Missoula, MT | $17.6M | 43 | $410K |
| #40 | Stacia Timbrook | 1450914 | Bison Ventures LLC | 2257632 | Missoula, MT | $17.6M | 39 | $450K |
| #41 | Lauren Gradowitz | 529933 | JPMorgan Chase Bank, National Association | 399798 | New York, NY | $17.5M | 2 | $8.7M |
| #42 | Radostina Benner | 1231612 | Glacier Bank | 472212 | Bozeman, MT | $17.3M | 38 | $456K |
| #43 | Lynn Stenerson | 707851 | Stockman Bank of Montana | 440094 | Missoula, MT | $17.3M | 48 | $360K |
| #44 | Tanner Aasheim | 892056 | Glacier Bank | 472212 | Bozeman, MT | $17.3M | 37 | $467K |
| #45 | Dianne Snedigar | 478583 | Farmers State Bank | 402643 | Stevensville, MT | $17.3M | 48 | $360K |
| #46 | Sean McGrath | 1428984 | Glacier Bank | 472212 | Kalispell, MT | $17.3M | 24 | $719K |
| #47 | Tracy Kuehn | 240747 | Intrepid Credit Union | 411353 | — | $17.2M | 61 | $282K |
| #48 | Elizabeth Klunder | 716654 | Glacier Bank | 472212 | Billings, MT | $17.1M | 49 | $349K |
| #49 | Jill Parish | 1791467 | Glacier Bank | 472212 | — | $17.0M | 25 | $679K |
| #50 | Renee Gaugler | 400368 | Cornerstone Capital Bank, SSB | 2258 | Bozeman, MT | $16.6M | 34 | $489K |
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 (2023). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/montana/top-overall-by-volume/2023
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