Borrower situations · Montana
Loan officers for homeowners who are refinancing in Montana
As of 2026-10-26, LenDb lists 58 loan officers licensed in or based in Montana whose lender pages show Refinance work. The top-ranked are Nick Carter (Directors Mortgage, Eugene), Mike Schuster (CrossCountry Mortgage, Columbia) and Camille Olson (Barrett Financial Group, Chandler). Ranking is lender-neutral: specialty evidence first, then a license in MT, branch location, experience and profile completeness. Nobody pays for placement.
Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.
Ranked, with reasons · top 25
- 1
Nick CarterNMLS 200547
Directors Mortgage · Eugene, OR · licensed in 8 states
- Refinance
- Real estate investor
- Vacation home
- MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: July 31, 2010 (Oregon), per state regulator
- 2
Mike SchusterNMLS 1980879
CrossCountry Mortgage · Columbia, MD · licensed in 22 states
- Refinance
- FHA loan
- VA loan
- First-time buyer
- MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: April 26, 2021 (Illinois), per state regulator
- 3
Camille OlsonNMLS 474281
Barrett Financial Group · Mortgage broker · Chandler, AZ · licensed in 11 states
- Refinance
- Down payment assistance
- MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-19)
- Earliest state license record: July 10, 2014 (Texas), per state regulator
- 4
Denise Cuddeback MontgomeryNMLS 57734
American Pacific Mortgage · Eugene, OR · licensed in 11 states
- Refinance
- Bank statement loan
- Down payment assistance
- DSCR loan
- MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: July 31, 2010 (Oregon), per state regulator
- 5
Lindsay WitterNMLS 700709
American Pacific Mortgage · Roseville, CA · licensed in 39 states
- Refinance
- Condo
- Down payment assistance
- FHA loan
- MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: January 26, 2012 (Oregon), per state regulator
- 6
Jennifer BuckholzNMLS 265867
CMG Home Loans · Federal Way, WA · licensed in 28 states
- Refinance
- First-time buyer
- MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-20)
- Earliest state license record: July 26, 2011 (Oregon), per state regulator
- 7
Benjamin WilliamsNMLS 1025173
Guild Mortgage · San Diego, CA · licensed in 45 states
- Refinance
- MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: June 4, 2013 (Oregon), per state regulator
- 8
Mike GillettNMLS 362285
Mortgage Marketplace LLC · Salem, OR · licensed in 7 states
- Refinance
- First-time buyer
- DSCR loan
- FHA loan
- MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: July 27, 2015 (California), per state regulator
- States 30 years of experience (lender page, 2026-10-22)
- 9
Ron LuttrullNMLS 274181
Guild Mortgage · San Diego, CA · licensed in 44 states
- Refinance
- MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: May 19, 2010 (California), per state regulator
- States 20 years of experience (lender page, 2026-10-19)
- 10
Andy PriceNMLS 175742
Price Mortgage · Mortgage broker · licensed in 30 states
- Refinance
- MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: March 16, 2017 (California), per state regulator
- States 15 years of experience (lender page, 2026-10-21)
- 11
Michelle AllenNMLS 747562
CrossCountry Mortgage · Missoula, MT · licensed in 3 states
- Refinance
- Jumbo loan
- Real estate investor
- First-time buyer
- MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Office in Missoula, MT
- States 20 years of experience (lender page, 2026-10-22)
- 12
Heidi OlsonNMLS 80788
CrossCountry Mortgage · Bigfork, MT · licensed in 7 states
- Refinance
- Jumbo loan
- Reverse mortgage
- MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Office in Bigfork, MT
- Earliest state license record: December 30, 2019 (California), per state regulator
- 13
Sarah DePewNMLS 1946314
CrossCountry Mortgage · Bozeman, MT · licensed in 3 states
- Refinance
- Down payment assistance
- Non-QM loan
- Reverse mortgage
- MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Bozeman, MT
- Earliest state license record: June 9, 2025 (Colorado), per state regulator
- 14
Scott ReeseNMLS 86512
CrossCountry Mortgage · Cleveland, OH · licensed in 17 states
- Refinance
- FHA loan
- VA loan
- First-time buyer
- MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: March 3, 2011 (California), per state regulator
- States 20 years of experience (lender page, 2026-10-26)
- 15
Scott OlsonNMLS 413839
CrossCountry Mortgage · Missoula, MT
- Refinance
- USDA loan
- VA loan
- FHA loan
- MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Missoula, MT
- 16
JR WineNMLS 2220770
CrossCountry Mortgage · Bozeman, MT · licensed in 3 states
- Refinance
- Down payment assistance
- First-time buyer
- MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Office in Bozeman, MT
- Earliest state license record: May 28, 2026 (Oregon), per state regulator
- 17
Patrick PalmerNMLS 5911
CrossCountry Mortgage · Lake Oswego, OR · licensed in 7 states
- Refinance
- Jumbo loan
- Non-QM loan
- Real estate investor
- MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-21)
- Earliest state license record: March 26, 2018 (Oregon), per state regulator
- States 25 years of experience (lender page, 2026-10-21)
- 18
Andria EamesNMLS 489002
CrossCountry Mortgage · Billings, MT · licensed in 2 states
- Refinance
- VA loan
- FHA loan
- HELOC
- MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Office in Billings, MT
- 19
Sandee LutzNMLS 533656
CrossCountry Mortgage · Romeo, MI · licensed in 29 states
- Refinance
- Renovation loan (203k / HomeStyle)
- MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: April 2, 2018 (Wisconsin), per state regulator
- States 20 years of experience (lender page, 2026-10-22)
- 20
Jason WilburNMLS 676414
CrossCountry Mortgage · Fort Walton Beach, FL · licensed in 11 states
- Refinance
- FHA loan
- First-time buyer
- MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: February 17, 2020 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-22)
- 21
Sarena TalbertNMLS 1043739
CrossCountry Mortgage · Newport Beach, CA · licensed in 50 states
- Refinance
- Jumbo loan
- Non-QM loan
- Reverse mortgage
- MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: December 19, 2018 (California), per state regulator
- States 28 years of experience (lender page, 2026-10-22)
- 22
April JanasNMLS 299013
CrossCountry Mortgage · Puyallup, WA · licensed in 13 states
- Refinance
- Construction loan
- Down payment assistance
- HELOC
- MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: September 14, 2018 (Oregon), per state regulator
- States 25 years of experience (lender page, 2026-10-22)
- 23
Jared PaulNMLS 974114
CrossCountry Mortgage · Scottsdale, AZ · licensed in 22 states
- Refinance
- VA loan
- Non-QM loan
- FHA loan
- MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-26)
- Earliest state license record: January 12, 2015 (California), per state regulator
- States 20 years of experience (lender page, 2026-10-26)
- 24
Buzz DempseyNMLS 205245
CrossCountry Mortgage · Tucson, AZ · licensed in 24 states
- Refinance
- VA loan
- FHA loan
- MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: December 9, 2010 (Illinois), per state regulator
- 25
Joshua UlmerNMLS 217794
CrossCountry Mortgage · Tequesta, FL · licensed in 7 states
- Refinance
- Non-QM loan
- VA loan
- FHA loan
- MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Refinance on lender page (lender page, verified 2026-10-22)
- Earliest state license record: October 7, 2011 (Florida), per state regulator
Before you choose
Whether a refinance pays off depends on closing costs, how long you keep the loan and the new rate; cash-out and buyout refinances have their own equity, seasoning and title rules.
- What are my total closing costs, and how many months until the lower payment pays them back?
- Can I take cash out, and how much equity do I need to keep?
- If I am buying out a former spouse or co-owner, what does the divorce decree or agreement need to say?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a MT license is confirmed with the state regulator (check mark), MT is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (the earliest state license record in the regulator rosters we hold, or years the loan officer states) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=refinance&state=MT. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.