Top loan officers in Montana in 2026, 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 Sara Koelzer (Guaranteed Rate, Inc., NMLS #400361), Julie Lapham (Everett Financial, Inc., NMLS #292964), and Oliver Ostrowski (JPMorgan Chase Bank, National Association, NMLS #1422968).
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 | 2026 Volume | 2026 Loans | Avg Loan |
|---|---|---|---|---|---|---|---|---|
| #1 | Sara Koelzer | 400361 | Guaranteed Rate, Inc. | 2611 | Bozeman, MT | $43.1M | 74 | $583K |
| #2 | Julie Lapham | 292964 | Everett Financial, Inc. | 2129 | Missoula, MT | $25.9M | 65 | $398K |
| #3 | Oliver Ostrowski | 1422968 | JPMorgan Chase Bank, National Association | 399798 | New York, NY | $25.0M | 1 | $25.0M |
| #4 | Virginia Blackshear | 873569 | Morgan Stanley Private Bank, National Association | 663185 | Coppell, TX | $23.3M | 1 | $23.3M |
| #5 | Anjum Terzian | 312995 | Wells Fargo Bank, National Association | 399801 | Los Angeles, CA | $19.3M | 1 | $19.3M |
| #6 | Crystal Eckerson | 400351 | Evergreen Moneysource Mortgage Company | 3182 | Helena, MT | $19.1M | 50 | $381K |
| #7 | Christine Farrington | 193640 | Edge Home Finance, LLC | 891464 | Las Vegas, NV | $16.3M | 32 | $510K |
| #8 | Caroline Roy | 271203 | GoPrime Mortgage, Inc. | 69551 | Bozeman, MT | $16.1M | 32 | $504K |
| #9 | Brian Hafner | 1620055 | Lower, LLC | 1124061 | Billings, MT | $15.8M | 46 | $344K |
| #10 | Emily Martello | 812363 | CrossCountry Mortgage, LLC | 3029 | Missoula, MT | $15.2M | 40 | $381K |
| #11 | Zachary Falk | 2082543 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $15.0M | 30 | $501K |
| #12 | Kelly Duray | 716674 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $14.9M | 49 | $305K |
| #13 | Kevin Romanshek | 844870 | Whitefish Credit Union Association | 409281 | Whitefish, MT | $14.4M | 22 | $653K |
| #14 | Edward Nissen | 263692 | CrossCountry Mortgage, LLC | 3029 | Whitefish, MT | $14.3M | 19 | $755K |
| #15 | Michael Banks | 404629 | Opportunity Bank of Montana | 412554 | Great Falls, MT | $14.0M | 47 | $297K |
| #16 | Renee Gaugler | 400368 | Cornerstone Capital Bank, SSB | 2258 | Bozeman, MT | $13.8M | 28 | $492K |
| #17 | Casey Moen | 1733091 | Stockman Bank of Montana | 440094 | Great Falls, MT | $13.7M | 42 | $327K |
| #18 | Carla Marinko | 526355 | Stockman Bank of Montana | 440094 | Belgrade, MT | $13.6M | 31 | $439K |
| #19 | Shannon O'Hare | 523508 | CrossCountry Mortgage, LLC | 3029 | Bozeman, MT | $12.4M | 24 | $518K |
| #20 | John Baldridge | 1942991 | Prosperity Home Mortgage, LLC | 75164 | Newport Beach, CA | $12.4M | 24 | $516K |
| #21 | David Krueger | 1598813 | Montana Family Mortgage, LLC | 1625135 | Missoula, MT | $11.4M | 24 | $474K |
| #22 | Colleen Wood | 1118454 | Wood Team Home Mortgage LLC | 2535756 | Red Lodge, MT | $11.4M | 21 | $541K |
| #23 | Roderick Leese | 409622 | TrailWest Bank | 677399 | Kalispell, MT | $11.3M | 22 | $513K |
| #24 | Lindsay Kinniburgh | 339406 | Edge Home Finance, LLC | 891464 | Kalispell, MT | $11.2M | 18 | $624K |
| #25 | Maria Phelps | 1403722 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $11.2M | 21 | $531K |
| #26 | Matthew Rizzolo | 1724580 | Flathead Valley Mortgage LLC | 2258019 | Columbia Falls, MT | $10.9M | 17 | $643K |
| #27 | Radostina Benner | 1231612 | Glacier Bank | 472212 | Bozeman, MT | $10.9M | 22 | $494K |
| #28 | Simon McCann | 2026946 | Stockman Bank of Montana | 440094 | Missoula, MT | $10.7M | 3 | $3.6M |
| #29 | Bryon Smith | 259031 | Bryon Smith Mortgage LLC | 259426 | Missoula, MT | $10.6M | 22 | $480K |
| #30 | DeDe Stoner | 250504 | Guild Mortgage Company LLC | 3274 | Billings, MT | $10.4M | 38 | $274K |
| #31 | Lynn Stenerson | 707851 | Stockman Bank of Montana | 440094 | Missoula, MT | $10.4M | 23 | $451K |
| #32 | Heidi Olson | 80788 | CrossCountry Mortgage, LLC | 3029 | Bigfork, MT | $10.3M | 17 | $608K |
| #33 | Lacie Anvik | 954154 | Edge Home Finance, LLC | 891464 | Kalispell, MT | $10.1M | 20 | $505K |
| #34 | Kimberly MacDonald | 470804 | U.S. Bank National Association | 402761 | Billings, MT | $9.8M | 19 | $518K |
| #35 | Tiffany McNeff | 707795 | FIRST FEDERAL BANK & TRUST | 490477 | Billings, MT | $9.8M | 30 | $325K |
| #36 | Ryan Goudie | 849460 | UBS Bank USA, National Association | 947868 | Jacksonville, FL | $9.8M | 2 | $4.9M |
| #37 | Kristen Hook | 2124453 | Glacier Bank | 472212 | Columbia Falls, MT | $9.7M | 19 | $513K |
| #38 | Jason Edmister | 523487 | Stockman Bank of Montana | 440094 | Great Falls, MT | $9.6M | 26 | $369K |
| #39 | Janice Lake | 240568 | Envoy Mortgage Ltd | 6666 | Kalispell, MT | $9.3M | 25 | $372K |
| #40 | Christopher Ackerman | 450337 | Guaranteed Rate, Inc. | 2611 | Billings, MT | $9.1M | 22 | $416K |
| #41 | Stephen Cooney | 487376 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $9.1M | 18 | $507K |
| #42 | Joseph Gabelhausen | 441013 | Opportunity Bank of Montana | 412554 | Missoula, MT | $9.1M | 16 | $569K |
| #43 | Adelina Hanson | 1941846 | Flathead Valley Mortgage LLC | 2258019 | Columbia Falls, MT | $9.1M | 19 | $479K |
| #44 | Lisa Pickens | 613976 | Glacier Bank | 472212 | Helena, MT | $9.0M | 19 | $476K |
| #45 | Kaycee Carroll | 716645 | Opportunity Bank of Montana | 412554 | Billings, MT | $9.0M | 24 | $374K |
| #46 | Jarrett Nelson | 2717145 | Whitefish Credit Union Association | 409281 | Whitefish, MT | $8.9M | 19 | $469K |
| #47 | Gina Marshall | 489006 | U.S. Bank National Association | 402761 | Hopkins, MN | $8.9M | 13 | $682K |
| #48 | Nicole Hanni | 487293 | Guild Mortgage Company LLC | 3274 | Butte, MT | $8.9M | 37 | $239K |
| #49 | Maddie Clark | 1287840 | Glacier Bank | 472212 | Kalispell, MT | $8.8M | 13 | $673K |
| #50 | Robert Vallance | 487547 | Opportunity Bank of Montana | 412554 | Missoula, MT | $8.7M | 19 | $459K |
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 (2026). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/montana/top-overall-by-volume/2026
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