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 October 11, 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 | 65.2% |
| #7 | Petrea Allen | 411430 | FIRST NATIONAL BANK | 405616 | — | $1.8M | 14 | 93.3% |
| #8 | Philip Ingraham | 362291 | Camden National Bank | 486887 | Portland, ME | $3.3M | 11 | 55.0% |
| #8 | C Jason Carlisle | 1512317 | University Credit Union | 407658 | — | $508K | 11 | 84.6% |
| #8 | Rebecca St. Clair | 1311978 | FIRST NATIONAL BANK | 405616 | Rockland, ME | $2.4M | 11 | 73.3% |
| #8 | Brandi Candage | 712987 | Camden National Bank | 486887 | Blue Hill, ME | $1.8M | 11 | 91.7% |
| #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 | Tracy Warren | 728118 | Kennebec Savings Bank | 585497 | Waterville, ME | $2.3M | 8 | 72.7% |
| #18 | Heather Lowe | 1908553 | Northpoint Mortgage, Inc. | 1515 | Augusta, ME | $524K | 8 | 61.5% |
| #18 | Carol Edens | 500165 | Atlantic Regional Federal Credit Union | 402778 | — | $1.6M | 8 | 47.1% |
| #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% |
| #23 | Lisa Dunning | 379728 | Camden National Bank | 486887 | Brunswick, ME | $2.2M | 7 | 41.2% |
| #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 | 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% |
| #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% |
| #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 | David Cekutis | 509632 | Camden National Bank | 486887 | Portland, ME | $1.7M | 6 | 30.0% |
| #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 | 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% |
| #37 | Katrina DiBiase | 384780 | Northstar Mortgage Group LLC | 990397 | Windham, ME | $1.8M | 5 | 10.9% |
| #37 | Jeffrey Hess | 275198 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | $1.1M | 5 | 45.5% |
| #37 | Jennifer Smith | 1074540 | cPort Credit Union | 409174 | Portland, ME | $1.6M | 5 | 38.5% |
| #37 | Garrett Ryan | 155058 | Androscoggin Savings Bank | 729924 | Portland, ME | $2.4M | 5 | 31.3% |
| #37 | Laura Hiestand | 532300 | TD Bank NA | 399800 | Brunswick, ME | $1.2M | 5 | 38.5% |
| #37 | Elizabeth Rogers | 458722 | Bath Savings Institution | 405789 | Portland, ME | $854K | 5 | 26.3% |
| #37 | Jane Merrill | 712990 | Camden National Bank | 486887 | Camden, ME | $863K | 5 | 38.5% |
| #37 | Edmond Gosselin | 471749 | Total Mortgage Services, LLC | 2764 | South Portland, ME | $1.6M | 5 | 19.2% |
| #45 | Jessica Heath | 691211 | Maine Community Bank | 405614 | Gorham, ME | $922K | 4 | 14.3% |
| #45 | Charles Milan | 867219 | Camden National Bank | 486887 | Bangor, ME | $608K | 4 | 40.0% |
| #45 | Kristeen Smith | 108210 | Acadia Lending Group, LLC | 370636 | South Portland, ME | $1.7M | 4 | 17.4% |
| #45 | Chelsea Torrey | 1618414 | Acadia Lending Group, LLC | 370636 | South Portland, ME | $2.5M | 4 | 13.8% |
| #45 | Cynthia Tayman-Veroneau | 1293182 | New American Funding, LLC | 6606 | Portland, ME | $1.1M | 4 | 16.0% |
| #45 | Robert Blackman | 390941 | Camden National Bank | 486887 | Lewiston, ME | $1.0M | 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 October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/maine/top-retention-by-units/2022
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