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 August 27, 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 | 2026 Volume | 2026 Loans | Avg Loan |
|---|---|---|---|---|---|---|---|---|
| #1 | Sara Koelzer | 400361 | Guaranteed Rate, Inc. | 2611 | Bozeman, MT | $75.4M | 133 | $567K |
| #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 | $42.8M | 105 | $408K |
| #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 | $38.3M | 96 | $399K |
| #6 | Adam Demetriou | 740171 | Goldman Sachs Bank USA | 208156 | Dallas, TX | $33.4M | 2 | $16.7M |
| #7 | Renee Gaugler | 400368 | Cornerstone Capital Bank, SSB | 2258 | Bozeman, MT | $31.5M | 57 | $552K |
| #8 | Christine Farrington | 193640 | Edge Home Finance, LLC | 891464 | Las Vegas, NV | $31.3M | 56 | $558K |
| #9 | Brian Hafner | 1620055 | Lower, LLC | 1124061 | Billings, MT | $30.6M | 89 | $344K |
| #10 | Emily Martello | 812363 | CrossCountry Mortgage, LLC | 3029 | Missoula, MT | $29.2M | 71 | $411K |
| #11 | Caroline Roy | 271203 | GoPrime Mortgage, Inc. | 69551 | Bozeman, MT | $27.5M | 57 | $482K |
| #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 | $26.3M | 91 | $289K |
| #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 | Zachary Falk | 2082543 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $24.4M | 50 | $489K |
| #18 | Casey Moen | 1733091 | Stockman Bank of Montana | 440094 | Great Falls, MT | $24.1M | 71 | $340K |
| #19 | Jessica Haynes | 1854887 | VALLEY FINANCIAL CREDIT UNION | 478488 | Billings, MT | $23.8M | 67 | $355K |
| #20 | Edward Nissen | 263692 | CrossCountry Mortgage, LLC | 3029 | Whitefish, MT | $23.5M | 38 | $618K |
| #21 | John Baldridge | 1942991 | Prosperity Home Mortgage, LLC | 75164 | Newport Beach, CA | $22.6M | 45 | $502K |
| #22 | Nicole Hanni | 487293 | Guild Mortgage Company LLC | 3274 | Butte, MT | $21.7M | 83 | $261K |
| #23 | Lindsay Kinniburgh | 339406 | Edge Home Finance, LLC | 891464 | Kalispell, MT | $21.3M | 38 | $561K |
| #24 | David Krueger | 1598813 | Montana Family Mortgage, LLC | 1625135 | Missoula, MT | $21.2M | 45 | $470K |
| #25 | Carla Marinko | 526355 | Stockman Bank of Montana | 440094 | Belgrade, MT | $20.6M | 51 | $404K |
| #26 | Heidi Olson | 80788 | CrossCountry Mortgage, LLC | 3029 | Bigfork, MT | $20.6M | 37 | $557K |
| #27 | Christopher Dangerfield | 400362 | Fairway Independent Mortgage Corporation | 2289 | Great Falls, MT | $20.4M | 65 | $314K |
| #28 | DeDe Stoner | 250504 | Guild Mortgage Company LLC | 3274 | Billings, MT | $20.3M | 74 | $275K |
| #29 | Maria Phelps | 1403722 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $20.3M | 39 | $521K |
| #30 | Colleen Wood | 1118454 | Wood Team Home Mortgage LLC | 2535756 | Red Lodge, MT | $20.1M | 43 | $467K |
| #31 | Bryon Smith | 259031 | Bryon Smith Mortgage LLC | 259426 | Missoula, MT | $20.0M | 46 | $434K |
| #32 | Tanner Aasheim | 892056 | Glacier Bank | 472212 | Bozeman, MT | $19.6M | 30 | $652K |
| #33 | Jacqueline Helman | 569014 | VALLEY FINANCIAL CREDIT UNION | 478488 | Billings, MT | $19.1M | 48 | $399K |
| #34 | Leonard Bongiovanni | 2787698 | Whitefish Credit Union Association | 409281 | Kalispell, MT | $19.0M | 22 | $863K |
| #35 | Jason Edmister | 523487 | Stockman Bank of Montana | 440094 | Great Falls, MT | $18.5M | 51 | $363K |
| #36 | Kevin Romanshek | 844870 | Whitefish Credit Union Association | 409281 | Whitefish, MT | $18.4M | 35 | $527K |
| #37 | Cambria Hidalgo | 2005391 | Glacier Bank | 472212 | Whitefish, MT | $18.4M | 29 | $635K |
| #38 | Stephen Cooney | 487376 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $18.4M | 41 | $449K |
| #39 | Maddie Clark | 1287840 | Glacier Bank | 472212 | Kalispell, MT | $18.2M | 28 | $651K |
| #40 | Lynn Stenerson | 707851 | Stockman Bank of Montana | 440094 | Missoula, MT | $17.5M | 42 | $418K |
| #41 | Tiffany McNeff | 707795 | FIRST FEDERAL BANK & TRUST | 490477 | Billings, MT | $17.5M | 51 | $343K |
| #42 | Robert Vallance | 487547 | Opportunity Bank of Montana | 412554 | Missoula, MT | $17.4M | 39 | $446K |
| #43 | William Nolan | 544147 | Whitefish Credit Union Association | 409281 | Missoula, MT | $17.1M | 40 | $428K |
| #44 | Deborah Sokoloski | 716649 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $17.0M | 59 | $289K |
| #45 | Kimberly MacDonald | 470804 | U.S. Bank National Association | 402761 | Billings, MT | $17.0M | 35 | $486K |
| #46 | Elizabeth Klunder | 716654 | Glacier Bank | 472212 | Billings, MT | $16.6M | 38 | $437K |
| #47 | Radostina Benner | 1231612 | Glacier Bank | 472212 | Bozeman, MT | $16.4M | 30 | $546K |
| #48 | Emily Kennedy | 1400287 | Stockman Bank of Montana | 440094 | Bozeman, MT | $16.3M | 33 | $495K |
| #49 | Joseph Gabelhausen | 441013 | Opportunity Bank of Montana | 412554 | Missoula, MT | $15.9M | 30 | $529K |
| #50 | Elisha Grace | 175844 | Opportunity Bank of Montana | 412554 | Bozeman, MT | $15.7M | 36 | $435K |
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 August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/montana/top-overall-by-volume/2026
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