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 May 28, 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 | Bangor, ME | $508K | 11 | 84.6% |
| #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% |
| #8 | Philip Ingraham | 362291 | Camden National Bank | 486887 | Portland, ME | $3.3M | 11 | 55.0% |
| #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 | Tamika Donahue | 399388 | CMG Mortgage, Inc. | 1820 | Scarborough, ME | $2.6M | 9 | 22.5% |
| #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% |
| #18 | Heather Lowe | 1908553 | Northpoint Mortgage, Inc. | 1515 | Augusta, ME | $524K | 8 | 57.1% |
| #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 | Tracy Warren | 728118 | Kennebec Savings Bank | 585497 | Waterville, ME | $2.3M | 8 | 72.7% |
| #18 | Carol Edens | 500165 | Atlantic Regional Federal Credit Union | 402778 | — | $1.6M | 8 | 47.1% |
| #23 | Bryan Smith | 857068 | New American Funding, LLC | 6606 | Portland, ME | $2.9M | 7 | 31.8% |
| #23 | Brendan Fontaine | 102571 | Guild Mortgage Company LLC | 3274 | Falmouth, ME | $1.9M | 7 | 33.3% |
| #23 | Lisa Dunning | 379728 | Camden National Bank | 486887 | Brunswick, ME | $2.2M | 7 | 41.2% |
| #23 | Timothy Lawson | 370671 | Guild Mortgage Company LLC | 3274 | Falmouth, ME | $2.2M | 7 | 58.3% |
| #23 | Tamara Hillman-Tardiff | 671326 | Kennebec Savings Bank | 585497 | Augusta, ME | $1.1M | 7 | 58.3% |
| #23 | Corey Scott | 369334 | Affordable Mortgage Advisors, LLC | 139164 | Cumberland Foreside, ME | $2.1M | 7 | 17.9% |
| #23 | Richard Zamore | 834637 | Bath Savings Institution | 405789 | Brunswick, ME | $1.5M | 7 | 33.3% |
| #30 | Kyle Taylor | 1459833 | The County Federal Credit Union | 433440 | Mars Hill, ME | $153K | 6 | 60.0% |
| #30 | Shantel Fournier | 1763936 | Maine Family Federal Credit Union | 456098 | Lewiston, ME | $683K | 6 | 54.5% |
| #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 | Theresa Macklin | 671339 | Camden National Bank | 486887 | — | $618K | 6 | 50.0% |
| #30 | Denise McIntyre | 638025 | Saco & Biddeford Savings Institution | 460343 | Scarborough, ME | $3.0M | 6 | 46.2% |
| #30 | Rudolph Ferrante | 366272 | Guild Mortgage Company LLC | 3274 | Portland, ME | $1.7M | 6 | 20.0% |
| #30 | Cathy Lessard | 699484 | KV FEDERAL CREDIT UNION | 680513 | Augusta, ME | $203K | 6 | 50.0% |
| #38 | Jennifer Smith | 1074540 | cPort Credit Union | 409174 | Portland, ME | $1.6M | 5 | 38.5% |
| #38 | Laura Hiestand | 532300 | TD Bank NA | 399800 | Brunswick, ME | $1.2M | 5 | 38.5% |
| #38 | Garrett Ryan | 155058 | Androscoggin Savings Bank | 729924 | Portland, ME | $2.4M | 5 | 31.3% |
| #38 | Jeffrey Hess | 275198 | Blue Stripe, Inc. | 926200 | Winter Garden, FL | $1.1M | 5 | 45.5% |
| #38 | Elizabeth Rogers | 458722 | Bath Savings Institution | 405789 | Portland, ME | $854K | 5 | 26.3% |
| #38 | Edmond Gosselin | 471749 | Total Mortgage Services, LLC | 2764 | South Portland, ME | $1.6M | 5 | 19.2% |
| #38 | Katrina DiBiase | 384780 | Northstar Mortgage Group LLC | 990397 | Windham, ME | $1.8M | 5 | 11.1% |
| #38 | Jane Merrill | 712990 | Camden National Bank | 486887 | Camden, ME | $863K | 5 | 38.5% |
| #46 | Catherine Flaherty | 219224 | CMG Mortgage, Inc. | 1820 | Brunswick, ME | $860K | 4 | 30.8% |
| #46 | Kristeen Smith | 108210 | Acadia Lending Group, LLC | 370636 | South Portland, ME | $1.7M | 4 | 17.4% |
| #46 | Charles Milan | 867219 | Camden National Bank | 486887 | Bangor, ME | $608K | 4 | 40.0% |
| #46 | Ian Bushover | 324863 | Home Base Mortgage Group, LLC | 1621025 | Saco, ME | $825K | 4 | 36.4% |
| #46 | Rae Ann Rice | 419094 | CMG Mortgage, Inc. | 1820 | Bangor, ME | $683K | 4 | 40.0% |
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 May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/maine/top-retention-by-units/2022
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