{ "canonical_url": "https://lendb.ai/s/refinance/montana", "summary": "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.", "specialty": "refinance", "state": "MT", "total": 58, "last_verified": "2026-10-26", "results": [ { "rank": 1, "score": 53, "loan_officer": { "nmls_id": 200547, "slug": "nick-carter-200547", "full_name": "Nick Carter", "licensed_names": [ { "name": "Nicholas Carter", "name_with_middle_initial": "Nicholas S. Carter", "first_name": "Nicholas", "middle_initial": "S", "last_name": "Carter", "states": [ "CA", "OR" ], "source": "state_regulator", "as_of": "2026-10-22" } ], "canonical_url": "https://lendb.ai/lo/nick-carter-200547", "json_url": "https://lendb.ai/lo/nick-carter-200547.json", "lender": { "nmls_id": 3240, "name": "Directors Mortgage", "slug": "directors-mortgage-3240", "canonical_url": "https://lendb.ai/lender/directors-mortgage-3240", "type": "imb" }, "branch": { "city": "Eugene", "state": "OR" }, "headshot_url": "https://www.directorsmortgage.com/wp-content/uploads/2024/02/nick.png", "licensed_states": [ "OR", "AZ", "CA", "CO", "ID", "MT", "NV", "WA" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "WA", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "vacation-home", "evidence": "lender_page_text" } ], "lender_offers": [ "asset-based", "bank-statement", "down-payment-assistance", "dscr", "fha", "first-time-buyer", "heloc", "itin", "jumbo", "low-credit", "mixed-use", "non-qm", "renovation", "reverse", "usda", "va" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2010-07-31", "state": "OR" }, "licensed_since": { "year": 2010, "state": "OR" }, "years_experience": null, "lender_profile_url": "https://www.directorsmortgage.com/loan-officer/nick-carter/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-21)", "MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: July 31, 2010 (Oregon), per state regulator" ], "canonical_url": "https://lendb.ai/lo/nick-carter-200547", "license_check": { "state": "MT", "confidence": "lender_reported", "eligible": true, "label": "MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-21", "source_url": "https://www.directorsmortgage.com/loan-officer/nick-carter/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 2, "score": 51.5, "loan_officer": { "nmls_id": 1980879, "slug": "michael-schuster-1980879", "full_name": "Mike Schuster", "licensed_names": [ { "name": "Michael Schuster", "name_with_middle_initial": "Michael H. Schuster", "first_name": "Michael", "middle_initial": "H", "last_name": "Schuster", "states": [ "CA", "CO", "CT", "DE", "FL", "MD", "NY", "PA", "TX", "WY" ], "source": "state_regulator", "as_of": "2026-10-30" }, { "name": "Michael Schuster", "name_with_middle_initial": null, "first_name": "Michael", "middle_initial": null, "last_name": "Schuster", "states": [ "IL" ], "source": "state_regulator", "as_of": "2026-10-27" } ], "canonical_url": "https://lendb.ai/lo/michael-schuster-1980879", "json_url": "https://lendb.ai/lo/michael-schuster-1980879.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Columbia", "state": "MD" }, "headshot_url": null, "licensed_states": [ "FL", "CO", "PA", "TX", "CA", "DE", "AZ", "GA", "IL", "IN", "MD", "ME", "MI", "MT", "NC", "SC", "SD", "TN", "VA", "WA", "WV", "WY" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "DE", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "IL", "confidence": "confirmed" }, { "state": "IN", "confidence": "lender_reported" }, { "state": "MD", "confidence": "confirmed" }, { "state": "ME", "confidence": "lender_reported" }, { "state": "MI", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "PA", "confidence": "confirmed" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "SD", "confidence": "lender_reported" }, { "state": "TN", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "VA", "confidence": "lender_reported" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WV", "confidence": "lender_reported" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "heloc", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "investor", "jumbo", "non-qm", "physician", "renovation", "reverse", "rural", "self-employed", "usda" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2021-04-26", "state": "IL" }, "licensed_since": { "year": 2021, "state": "IL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/columbia-md-4469/michael-schuster/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-26)", "MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: April 26, 2021 (Illinois), per state regulator" ], "canonical_url": "https://lendb.ai/lo/michael-schuster-1980879", "license_check": { "state": "MT", "confidence": "lender_reported", "eligible": true, "label": "MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-26", "source_url": "https://crosscountrymortgage.com/columbia-md-4469/michael-schuster/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 3, "score": 51, "loan_officer": { "nmls_id": 474281, "slug": "camille-olson-474281", "full_name": "Camille Olson", "canonical_url": "https://lendb.ai/lo/camille-olson-474281", "json_url": "https://lendb.ai/lo/camille-olson-474281.json", "lender": { "nmls_id": 181106, "name": "Barrett Financial Group", "slug": "barrett-financial-181106", "canonical_url": "https://lendb.ai/lender/barrett-financial-181106", "type": "broker" }, "branch": { "city": "Chandler", "state": "AZ" }, "headshot_url": "https://di1v4rx98wr59.cloudfront.net/0a4e3d21ffa3b/399b5a7cc06eecffd4ee216b35d93aab857d4c12.png", "licensed_states": [ "CO", "TX", "AL", "AZ", "GA", "ID", "MT", "NV", "OH", "OK", "UT" ], "licenses": [ { "state": "AL", "confidence": "lender_reported" }, { "state": "AZ", "confidence": "lender_reported" }, { "state": "CO", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NV", "confidence": "lender_reported" }, { "state": "OH", "confidence": "lender_reported" }, { "state": "OK", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" }, { "state": "UT", "confidence": "lender_reported" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" } ], "lender_offers": [ "fha", "heloc", "jumbo", "non-qm", "reverse", "usda", "va" ], "years_licensed": null, "earliest_license_record": { "date": "2014-07-10", "state": "TX" }, "licensed_since": { "year": 2014, "state": "TX" }, "years_experience": null, "lender_profile_url": "https://www.barrettfinancial.com/colson", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-19)", "MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: July 10, 2014 (Texas), per state regulator" ], "canonical_url": "https://lendb.ai/lo/camille-olson-474281", "license_check": { "state": "MT", "confidence": "lender_reported", "eligible": true, "label": "MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-19", "source_url": "https://www.barrettfinancial.com/colson" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 4, "score": 48.3, "loan_officer": { "nmls_id": 57734, "slug": "denise-montgomery-57734", "full_name": "Denise Cuddeback Montgomery", "canonical_url": "https://lendb.ai/lo/denise-montgomery-57734", "json_url": "https://lendb.ai/lo/denise-montgomery-57734.json", "lender": { "nmls_id": 1850, "name": "American Pacific Mortgage", "slug": "american-pacific-mortgage-1850", "canonical_url": "https://lendb.ai/lender/american-pacific-mortgage-1850", "type": "imb" }, "branch": { "city": "Eugene", "state": "OR" }, "headshot_url": null, "licensed_states": [ "FL", "CO", "TX", "AZ", "CA", "ID", "MN", "MT", "OR", "WA", "WY" ], "licenses": [ { "state": "AZ", "confidence": "lender_reported" }, { "state": "CA", "confidence": "confirmed" }, { "state": "CO", "confidence": "confirmed" }, { "state": "FL", "confidence": "confirmed" }, { "state": "ID", "confidence": "lender_reported" }, { "state": "MN", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "OR", "confidence": "confirmed" }, { "state": "TX", "confidence": "confirmed" }, { "state": "WA", "confidence": "lender_reported" }, { "state": "WY", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "bank-statement", "evidence": "lender_page_text" }, { "slug": "down-payment-assistance", "evidence": "lender_page_text" }, { "slug": "dscr", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "first-time-buyer", "evidence": "lender_page_text" }, { "slug": "jumbo", "evidence": "lender_page_text" }, { "slug": "manufactured", "evidence": "lender_page_text" }, { "slug": "investor", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" }, { "slug": "renovation", "evidence": "lender_page_text" }, { "slug": "self-employed", "evidence": "lender_page_text" }, { "slug": "usda", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" } ], "lender_offers": [ "construction", "foreign-national", "heloc", "itin", "low-credit", "new-construction", "non-qm", "physician", "reverse", "vacation-home" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2010-07-31", "state": "OR" }, "licensed_since": { "year": 2010, "state": "OR" }, "years_experience": null, "lender_profile_url": "https://www.apmortgage.com/denise-montgomery", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-20)", "MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: July 31, 2010 (Oregon), per state regulator" ], "canonical_url": "https://lendb.ai/lo/denise-montgomery-57734", "license_check": { "state": "MT", "confidence": "lender_reported", "eligible": true, "label": "MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-20", "source_url": "https://www.apmortgage.com/denise-montgomery" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" }, { "rank": 5, "score": 47.3, "loan_officer": { "nmls_id": 700709, "slug": "lindsay-witter-700709", "full_name": "Lindsay Witter", "licensed_names": [ { "name": "Lindsay Witter", "name_with_middle_initial": "Lindsay R. 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Ulmer", "first_name": "Joshua", "middle_initial": "R", "last_name": "Ulmer", "states": [ "FL", "TX" ], "source": "state_regulator", "as_of": "2026-10-12" } ], "canonical_url": "https://lendb.ai/lo/joshua-ulmer-217794", "json_url": "https://lendb.ai/lo/joshua-ulmer-217794.json", "lender": { "nmls_id": 3029, "name": "CrossCountry Mortgage", "slug": "crosscountry-mortgage-3029", "canonical_url": "https://lendb.ai/lender/crosscountry-mortgage-3029", "type": "imb" }, "branch": { "city": "Tequesta", "state": "FL" }, "headshot_url": "https://thevault.ccm.com/m/4f82c59022bb4075/Website-3235_Ulmer_217794.jpg", "licensed_states": [ "FL", "TX", "GA", "KY", "MT", "NC", "SC" ], "licenses": [ { "state": "FL", "confidence": "confirmed" }, { "state": "GA", "confidence": "lender_reported" }, { "state": "KY", "confidence": "lender_reported" }, { "state": "MT", "confidence": "lender_reported" }, { "state": "NC", "confidence": "lender_reported" }, { "state": "SC", "confidence": "lender_reported" }, { "state": "TX", "confidence": "confirmed" } ], "federal_registration_likely": false, "languages": [], "specialties": [ { "slug": "non-qm", "evidence": "lender_page_text" }, { "slug": "va", "evidence": "lender_page_text" }, { "slug": "fha", "evidence": "lender_page_text" }, { "slug": "refinance", "evidence": "lender_page_text" } ], "lender_offers": [ "condo", "condo-non-warrantable", "construction", "down-payment-assistance", "dscr", "first-time-buyer", "heloc", "investor", "jumbo", "physician", "renovation", "reverse", "rural", "self-employed", "usda" ], "employer_program_approvals": [ { "program": "fha", "source": "HUD", "as_of": "2026-08" } ], "years_licensed": null, "earliest_license_record": { "date": "2011-10-07", "state": "FL" }, "licensed_since": { "year": 2011, "state": "FL" }, "years_experience": null, "lender_profile_url": "https://crosscountrymortgage.com/tequesta-fl-3235/joshua-ulmer/", "disciplinary_check": "not_checked" }, "reasons": [ "Lists Refinance on lender page (lender page, verified 2026-10-22)", "MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "Earliest state license record: October 7, 2011 (Florida), per state regulator" ], "canonical_url": "https://lendb.ai/lo/joshua-ulmer-217794", "license_check": { "state": "MT", "confidence": "lender_reported", "eligible": true, "label": "MT listed on their lender page (not yet checked with the state regulator; verify at NMLS)", "verified_at": "2026-10-22", "source_url": "https://crosscountrymortgage.com/tequesta-fl-3235/joshua-ulmer/" }, "match_status": "exact", "matched_specialties": [ "refinance" ], "unconfirmed_specialties": [], "match_level": "officer" } ] }