--- canonical_url: https://lendb.ai/s/refinance/montana last_verified: 2026-10-26 --- # 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. ## Ranked, with reasons 1. **[Nick Carter](https://lendb.ai/lo/nick-carter-200547)** (NMLS 200547), Directors Mortgage, Eugene, OR - 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 2. **[Mike Schuster](https://lendb.ai/lo/michael-schuster-1980879)** (NMLS 1980879), CrossCountry Mortgage, Columbia, MD - 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 3. **[Camille Olson](https://lendb.ai/lo/camille-olson-474281)** (NMLS 474281), Barrett Financial Group, Chandler, AZ - 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 4. **[Denise Cuddeback Montgomery](https://lendb.ai/lo/denise-montgomery-57734)** (NMLS 57734), American Pacific Mortgage, Eugene, OR - 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 5. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA - 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: January 26, 2012 (Oregon), per state regulator 6. **[Jennifer Buckholz](https://lendb.ai/lo/jennifer-buckholz-265867)** (NMLS 265867), CMG Home Loans, Federal Way, WA - 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 26, 2011 (Oregon), per state regulator 7. **[Benjamin Williams](https://lendb.ai/lo/benjamin-williams-1025173)** (NMLS 1025173), Guild Mortgage, San Diego, CA - 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: June 4, 2013 (Oregon), per state regulator 8. **[Mike Gillett](https://lendb.ai/lo/michael-gillett-362285)** (NMLS 362285), Mortgage Marketplace LLC, Salem, OR - 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: July 27, 2015 (California), per state regulator - States 30 years of experience (lender page, 2026-10-22) 9. **[Ron Luttrull](https://lendb.ai/lo/ronald-luttrull-274181)** (NMLS 274181), Guild Mortgage, San Diego, CA - 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: May 19, 2010 (California), per state regulator - States 20 years of experience (lender page, 2026-10-19) 10. **[Andy Price](https://lendb.ai/lo/william-price-175742)** (NMLS 175742), Price Mortgage - 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: March 16, 2017 (California), per state regulator - States 15 years of experience (lender page, 2026-10-21) 11. **[Michelle Allen](https://lendb.ai/lo/michelle-allen-747562)** (NMLS 747562), CrossCountry Mortgage, Missoula, MT - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Missoula, MT - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 20 years of experience (lender page, 2026-10-22) 12. **[Heidi Olson](https://lendb.ai/lo/heidi-olson-80788)** (NMLS 80788), CrossCountry Mortgage, Bigfork, MT - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Bigfork, MT - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: December 30, 2019 (California), per state regulator 13. **[Sarah DePew](https://lendb.ai/lo/sarah-depew-1946314)** (NMLS 1946314), CrossCountry Mortgage, Bozeman, MT - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Bozeman, MT - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: June 9, 2025 (Colorado), per state regulator 14. **[Scott Reese](https://lendb.ai/lo/douglas-reese-86512)** (NMLS 86512), CrossCountry Mortgage, Cleveland, OH - 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: March 3, 2011 (California), per state regulator - States 20 years of experience (lender page, 2026-10-26) 15. **[Scott Olson](https://lendb.ai/lo/scott-olson-413839)** (NMLS 413839), CrossCountry Mortgage, Missoula, MT - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Missoula, MT - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 16. **[JR Wine](https://lendb.ai/lo/jr-wine-2220770)** (NMLS 2220770), CrossCountry Mortgage, Bozeman, MT - Lists Refinance on lender page (lender page, verified 2026-10-26) - Office in Bozeman, MT - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Earliest state license record: May 28, 2026 (Oregon), per state regulator 17. **[Patrick Palmer](https://lendb.ai/lo/patrick-palmer-5911)** (NMLS 5911), CrossCountry Mortgage, Lake Oswego, OR - 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: March 26, 2018 (Oregon), per state regulator - States 25 years of experience (lender page, 2026-10-21) 18. **[Andria Eames](https://lendb.ai/lo/andria-eames-489002)** (NMLS 489002), CrossCountry Mortgage, Billings, MT - Lists Refinance on lender page (lender page, verified 2026-10-22) - Office in Billings, MT - MT listed on their lender page (not yet checked with the state regulator; verify at NMLS) 19. **[Sandee Lutz](https://lendb.ai/lo/sandra-lutz-533656)** (NMLS 533656), CrossCountry Mortgage, Romeo, MI - 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: April 2, 2018 (Wisconsin), per state regulator - States 20 years of experience (lender page, 2026-10-22) 20. **[Jason Wilbur](https://lendb.ai/lo/jason-wilbur-676414)** (NMLS 676414), CrossCountry Mortgage, Fort Walton Beach, FL - 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: February 17, 2020 (Florida), per state regulator - States 20 years of experience (lender page, 2026-10-22) 21. **[Sarena Talbert](https://lendb.ai/lo/sarena-talbert-1043739)** (NMLS 1043739), CrossCountry Mortgage, Newport Beach, CA - 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: December 19, 2018 (California), per state regulator - States 28 years of experience (lender page, 2026-10-22) 22. **[April Janas](https://lendb.ai/lo/april-janas-299013)** (NMLS 299013), CrossCountry Mortgage, Puyallup, WA - 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: September 14, 2018 (Oregon), per state regulator - States 25 years of experience (lender page, 2026-10-22) 23. **[Jared Paul](https://lendb.ai/lo/jared-paul-974114)** (NMLS 974114), CrossCountry Mortgage, Scottsdale, AZ - 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: January 12, 2015 (California), per state regulator - States 20 years of experience (lender page, 2026-10-26) 24. **[Buzz Dempsey](https://lendb.ai/lo/walter-dempsey-205245)** (NMLS 205245), CrossCountry Mortgage, Tucson, AZ - 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: December 9, 2010 (Illinois), per state regulator 25. **[Joshua Ulmer](https://lendb.ai/lo/joshua-ulmer-217794)** (NMLS 217794), CrossCountry Mortgage, Tequesta, FL - 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 ## Questions to ask - 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? Cite as: LenDb.ai, https://lendb.ai/s/refinance/montana. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._