Retention champions in Maine in 2022, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of August 27, 2026, the top 3 include Matthew Tardiff (Camden National Bank, NMLS #43211), JOCELYN PICARD (Atlantic Regional Federal Credit Union, NMLS #518283), and Julie Armstrong (Kennebec Savings Bank, NMLS #671291).
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 | Retained Volume | Retained Loans | Retention Rate |
|---|---|---|---|---|---|---|---|---|
| #1 | Matthew Tardiff | 43211 | Camden National Bank | 486887 | Kennebunk, ME | $15.6M | 29 | 67.4% |
| #2 | JOCELYN PICARD | 518283 | Atlantic Regional Federal Credit Union | 402778 | Saco, ME | $2.8M | 27 | 73.0% |
| #3 | Julie Armstrong | 671291 | Kennebec Savings Bank | 585497 | — | $2.7M | 20 | 74.1% |
| #4 | Gary Lapierre | 728106 | Kennebec Savings Bank | 585497 | Augusta, ME | $1.1M | 17 | 56.7% |
| #5 | Matthew Dwyer | 728100 | Kennebec Savings Bank | 585497 | Augusta, ME | $3.4M | 16 | 66.7% |
| #6 | Kim Hebert | 1285822 | NorState Federal Credit Union | 510055 | — | $1.9M | 15 | 68.2% |
| #7 | Petrea Allen | 411430 | FIRST NATIONAL BANK | 405616 | — | $1.8M | 14 | 93.3% |
| #8 | C Jason Carlisle | 1512317 | University Credit Union | 407658 | — | $508K | 11 | 84.6% |
| #8 | Brandi Candage | 712987 | Camden National Bank | 486887 | Blue Hill, ME | $1.8M | 11 | 91.7% |
| #8 | Philip Ingraham | 362291 | Camden National Bank | 486887 | Portland, ME | $3.3M | 11 | 55.0% |
| #8 | Rebecca St. Clair | 1311978 | FIRST NATIONAL BANK | 405616 | Rockland, ME | $2.4M | 11 | 73.3% |
| #8 | Pamela Kenniston | 713017 | Camden National Bank | 486887 | — | $3.3M | 11 | 47.8% |
| #13 | Cody Faloon | 1246706 | University Credit Union | 407658 | Orono, ME | $818K | 10 | 66.7% |
| #13 | Cory Broniarczyk | 1899308 | Guild Mortgage Company LLC | 3274 | — | $731K | 10 | 76.9% |
| #15 | Jamie Turcotte | 552355 | OTIS FEDERAL CREDIT UNION | 407834 | Jay, ME | $1.0M | 9 | 52.9% |
| #15 | Alicia Costa | 998502 | FIRST NATIONAL BANK | 405616 | Rockland, ME | $778K | 9 | 64.3% |
| #15 | Tamika Donahue | 399388 | CMG Mortgage, Inc. | 1820 | Scarborough, ME | $2.6M | 9 | 22.5% |
| #18 | Stephen Curran | 791992 | Saco Valley Credit Union | 405619 | — | $2.4M | 8 | 66.7% |
| #18 | Heather Lowe | 1908553 | Northpoint Mortgage, Inc. | 1515 | Augusta, ME | $524K | 8 | 57.1% |
| #18 | Tracy Warren | 728118 | Kennebec Savings Bank | 585497 | Waterville, ME | $2.3M | 8 | 72.7% |
| #18 | Greg Whitney | 449001 | Coast Line Credit Union | 441436 | South Portland, ME | $1.3M | 8 | 57.1% |
| #18 | Carol Edens | 500165 | Atlantic Regional Federal Credit Union | 402778 | — | $1.6M | 8 | 44.4% |
| #23 | Tamara Hillman-Tardiff | 671326 | Kennebec Savings Bank | 585497 | Augusta, ME | $1.1M | 7 | 58.3% |
| #23 | Bryan Smith | 857068 | New American Funding, LLC | 6606 | Portland, ME | $2.9M | 7 | 31.8% |
| #23 | Corey Scott | 369334 | Affordable Mortgage Advisors, LLC | 139164 | Cumberland Foreside, ME | $2.1M | 7 | 17.9% |
| #23 | Lisa Dunning | 379728 | Camden National Bank | 486887 | Brunswick, ME | $2.2M | 7 | 41.2% |
| #23 | Brendan Fontaine | 102571 | Guild Mortgage Company LLC | 3274 | Falmouth, ME | $1.9M | 7 | 33.3% |
| #23 | Timothy Lawson | 370671 | Guild Mortgage Company LLC | 3274 | Falmouth, ME | $2.2M | 7 | 58.3% |
| #23 | Richard Zamore | 834637 | Bath Savings Institution | 405789 | Brunswick, ME | $1.5M | 7 | 33.3% |
| #30 | Irene Oldfield | 612438 | Bangor Savings Bank | 449200 | South Portland, ME | $2.0M | 6 | 18.2% |
| #30 | David Cekutis | 509632 | Camden National Bank | 486887 | Portland, ME | $1.7M | 6 | 30.0% |
| #30 | Denise McIntyre | 638025 | Saco & Biddeford Savings Institution | 460343 | Scarborough, ME | $3.0M | 6 | 46.2% |
| #30 | Theresa Macklin | 671339 | Camden National Bank | 486887 | — | $618K | 6 | 50.0% |
| #30 | Cathy Lessard | 699484 | KV FEDERAL CREDIT UNION | 680513 | Augusta, ME | $203K | 6 | 50.0% |
| #30 | Rudolph Ferrante | 366272 | Guild Mortgage Company LLC | 3274 | Portland, ME | $1.7M | 6 | 20.0% |
| #30 | Shantel Fournier | 1763936 | Maine Family Federal Credit Union | 456098 | Lewiston, ME | $683K | 6 | 54.5% |
| #37 | Katrina DiBiase | 384780 | Northstar Mortgage Group LLC | 990397 | Windham, ME | $1.8M | 5 | 10.9% |
| #37 | Jennifer Smith | 1074540 | cPort Credit Union | 409174 | Portland, ME | $1.6M | 5 | 38.5% |
| #37 | Jane Merrill | 712990 | Camden National Bank | 486887 | Camden, ME | $863K | 5 | 38.5% |
| #37 | Laura Hiestand | 532300 | TD Bank NA | 399800 | Brunswick, ME | $1.2M | 5 | 38.5% |
| #37 | Garrett Ryan | 155058 | Androscoggin Savings Bank | 729924 | Portland, ME | $2.4M | 5 | 31.3% |
| #37 | Edmond Gosselin | 471749 | Total Mortgage Services, LLC | 2764 | South Portland, ME | $1.6M | 5 | 19.2% |
| #37 | Jeffrey Hess | 275198 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | $1.1M | 5 | 45.5% |
| #37 | Elizabeth Rogers | 458722 | Bath Savings Institution | 405789 | Portland, ME | $854K | 5 | 26.3% |
| #45 | Jessica Heath | 691211 | Maine Community Bank | 405614 | Gorham, ME | $922K | 4 | 14.3% |
| #45 | Chelsea Torrey | 1618414 | Acadia Lending Group, LLC | 370636 | South Portland, ME | $2.5M | 4 | 13.8% |
| #45 | Stephen Chard | 275348 | Guild Mortgage Company LLC | 3274 | Falmouth, ME | $1.3M | 4 | 36.4% |
| #45 | Kristeen Smith | 108210 | Acadia Lending Group, LLC | 370636 | South Portland, ME | $1.7M | 4 | 17.4% |
| #45 | Charles Milan | 867219 | Camden National Bank | 486887 | Bangor, ME | $608K | 4 | 40.0% |
| #45 | Gregory Dauphinee | 509635 | Androscoggin Savings Bank | 729924 | Portland, ME | $1.7M | 4 | 20.0% |
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. Retention Champions by Loan Count — Maine (2022). Powered by MMI public record mortgage production data, accessed August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/maine/top-retention-by-units/2022
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