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 July 13, 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 | Brandi Candage | 712987 | Camden National Bank | 486887 | Blue Hill, ME | $1.8M | 11 | 91.7% |
| #8 | C Jason Carlisle | 1512317 | University Credit Union | 407658 | — | $508K | 11 | 84.6% |
| #8 | Pamela Kenniston | 713017 | Camden National Bank | 486887 | — | $3.3M | 11 | 47.8% |
| #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% |
| #13 | Cory Broniarczyk | 1899308 | Guild Mortgage Company LLC | 3274 | — | $731K | 10 | 76.9% |
| #13 | Cody Faloon | 1246706 | University Credit Union | 407658 | Orono, ME | $818K | 10 | 66.7% |
| #15 | Alicia Costa | 998502 | FIRST NATIONAL BANK | 405616 | Rockland, ME | $778K | 9 | 64.3% |
| #15 | Jamie Turcotte | 552355 | OTIS FEDERAL CREDIT UNION | 407834 | Jay, ME | $1.0M | 9 | 52.9% |
| #15 | Tamika Donahue | 399388 | CMG Mortgage, Inc. | 1820 | Scarborough, ME | $2.6M | 9 | 22.5% |
| #18 | Carol Edens | 500165 | Atlantic Regional Federal Credit Union | 402778 | — | $1.6M | 8 | 47.1% |
| #18 | Tracy Warren | 728118 | Kennebec Savings Bank | 585497 | Waterville, ME | $2.3M | 8 | 72.7% |
| #18 | Stephen Curran | 791992 | Saco Valley Credit Union | 405619 | — | $2.4M | 8 | 66.7% |
| #18 | Greg Whitney | 449001 | Coast Line Credit Union | 441436 | South Portland, ME | $1.3M | 8 | 57.1% |
| #18 | Heather Lowe | 1908553 | Northpoint Mortgage, Inc. | 1515 | Augusta, ME | $524K | 8 | 57.1% |
| #23 | Tamara Hillman-Tardiff | 671326 | Kennebec Savings Bank | 585497 | Augusta, ME | $1.1M | 7 | 58.3% |
| #23 | Lisa Dunning | 379728 | Camden National Bank | 486887 | Brunswick, ME | $2.2M | 7 | 41.2% |
| #23 | Corey Scott | 369334 | Affordable Mortgage Advisors, LLC | 139164 | Cumberland Foreside, ME | $2.1M | 7 | 17.9% |
| #23 | Brendan Fontaine | 102571 | Guild Mortgage Company LLC | 3274 | Falmouth, ME | $1.9M | 7 | 33.3% |
| #23 | Richard Zamore | 834637 | Bath Savings Institution | 405789 | Brunswick, ME | $1.5M | 7 | 33.3% |
| #23 | Bryan Smith | 857068 | New American Funding, LLC | 6606 | Portland, ME | $2.9M | 7 | 31.8% |
| #23 | Timothy Lawson | 370671 | Guild Mortgage Company LLC | 3274 | Falmouth, ME | $2.2M | 7 | 58.3% |
| #30 | Theresa Macklin | 671339 | Camden National Bank | 486887 | — | $618K | 6 | 50.0% |
| #30 | Irene Oldfield | 612438 | Bangor Savings Bank | 449200 | South Portland, ME | $2.0M | 6 | 18.2% |
| #30 | Rudolph Ferrante | 366272 | Guild Mortgage Company LLC | 3274 | Portland, ME | $1.7M | 6 | 20.0% |
| #30 | Denise McIntyre | 638025 | Saco & Biddeford Savings Institution | 460343 | Scarborough, ME | $3.0M | 6 | 46.2% |
| #30 | Cathy Lessard | 699484 | KV FEDERAL CREDIT UNION | 680513 | Augusta, ME | $203K | 6 | 50.0% |
| #30 | Shantel Fournier | 1763936 | Maine Family Federal Credit Union | 456098 | Lewiston, ME | $683K | 6 | 54.5% |
| #30 | David Cekutis | 509632 | Camden National Bank | 486887 | Portland, ME | $1.7M | 6 | 30.0% |
| #37 | Edmond Gosselin | 471749 | Total Mortgage Services, LLC | 2764 | South Portland, ME | $1.6M | 5 | 19.2% |
| #37 | Jeffrey Hess | 275198 | Blue Stripe, Inc. | 926200 | Winter Garden, FL | $1.1M | 5 | 45.5% |
| #37 | Katrina DiBiase | 384780 | Northstar Mortgage Group LLC | 990397 | Windham, ME | $1.8M | 5 | 10.9% |
| #37 | Jane Merrill | 712990 | Camden National Bank | 486887 | Camden, ME | $863K | 5 | 38.5% |
| #37 | Elizabeth Rogers | 458722 | Bath Savings Institution | 405789 | Portland, ME | $854K | 5 | 26.3% |
| #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 | Jennifer Smith | 1074540 | cPort Credit Union | 409174 | Portland, ME | $1.6M | 5 | 38.5% |
| #45 | Kristeen Smith | 108210 | Acadia Lending Group, LLC | 370636 | South Portland, ME | $1.7M | 4 | 17.4% |
| #45 | Leah Richards | 119899 | PeoplesChoice Credit Union | 449242 | — | $1.3M | 4 | 40.0% |
| #45 | Robert Blackman | 390941 | Camden National Bank | 486887 | Lewiston, ME | $1.0M | 4 | 40.0% |
| #45 | Stephen Teng | 1615950 | cPort Credit Union | 409174 | Portland, ME | $439K | 4 | 40.0% |
| #45 | Stephen Chard | 275348 | Guild Mortgage Company LLC | 3274 | Falmouth, ME | $1.3M | 4 | 36.4% |
| #45 | Jessica Heath | 691211 | Maine Community Bank | 405614 | Gorham, ME | $922K | 4 | 14.3% |
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 July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/maine/top-retention-by-units/2022
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