Opening Doors: Why Local Mortgage Lending Matters

June is National Homeownership Month, a time to celebrate the value and impact of homeownership in our communities. At Opportunity Bank of Montana, it’s also a time to recognize the people behind the process—our mortgage lending team. These are the neighbors, and advisors who help Montanans navigate one of the most important financial decisions of their lives: buying a home.

We asked a few of our mortgage lenders what it means to be part of the journey—and why local lending makes a difference.

“Homeownership is more than a milestone, it's an investment in your future. As a local lender, I’m proud to offer personalized service and Montana-specific loan programs,” said Nicole Lindell Croaker, NMLS# 1850323. “Local lending means local service every step of the way from application to closing and beyond."

Local mortgage lending isn’t just a service—it’s a relationship. Our lenders live and work in the communities we serve. That means they understand local market trends, regional programs, and the unique challenges that can come with complex transactions, rural properties or seasonal income.

“I see lending as more than just processing applications, it's about building relationships,” said Char Andersen, NMLS# 417279, from our Butte branch. “Every borrower’s journey is unique, and I’ve often worked with clients over the course of several years to help them reach a place where they’re ready to buy a home. It’s a privilege to be part of that process.”

At Opportunity Bank, we offer a full range of mortgage solutions, including:

• Conventional loans

• First-time homebuyer programs

• VA and FHA loans

• Construction and land loans

• Jumbo mortgages

And while the products are important, it’s the guidance and support from someone you trust that makes the biggest impact.

“My approach to lending is to be there for my customers at all times, from start to finish,” said Kaycee Carroll, NMLS# 716645, in Billings. “Purchasing a home can be very stressful sometimes, it is my job to make sure the customer has a great experience throughout the entire transaction, and the loan closes on time.”

This month, we’re proud to celebrate our team and the hundreds of homeowners they’ve helped across Montana. Whether you’re buying your first home or your forever home, our local experts are here to help you open the door.

Let’s get started—talk to a lender today.

Learn more about our mortgage services or visit any of our branches across Montana.