Retention champions in Montana in 2026 so far, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of July 7, 2026, the top 3 include Sara Koelzer (Guaranteed Rate, Inc., NMLS #400361), Christine Farrington (Edge Home Finance, LLC, NMLS #193640), and Emily Martello (CrossCountry Mortgage, LLC, NMLS #812363).
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 | Sara Koelzer | 400361 | Guaranteed Rate, Inc. | 2611 | Bozeman, MT | $14.7M | 22 | 61.1% |
| #2 | Christine Farrington | 193640 | Edge Home Finance, LLC | 891464 | Las Vegas, NV | $6.4M | 14 | 51.9% |
| #2 | Emily Martello | 812363 | CrossCountry Mortgage, LLC | 3029 | Missoula, MT | $6.1M | 14 | 93.3% |
| #4 | Shannon O'Hare | 523508 | CrossCountry Mortgage, LLC | 3029 | Bozeman, MT | $6.6M | 13 | 86.7% |
| #5 | Roderick Leese | 409622 | TrailWest Bank | 677399 | Kalispell, MT | $6.0M | 10 | 71.4% |
| #5 | Robert Vallance | 487547 | Opportunity Bank of Montana | 412554 | Missoula, MT | $4.3M | 10 | 58.8% |
| #7 | Julie Lapham | 292964 | Everett Financial, Inc. | 2129 | Missoula, MT | $3.7M | 9 | 34.6% |
| #7 | Adelina Hanson | 1941846 | Flathead Valley Mortgage LLC | 2258019 | Columbia Falls, MT | $4.7M | 9 | 69.2% |
| #9 | Edward Nissen | 263692 | CrossCountry Mortgage, LLC | 3029 | Whitefish, MT | $5.1M | 8 | 57.1% |
| #10 | Tiffany McNeff | 707795 | FIRST FEDERAL BANK & TRUST | 490477 | Billings, MT | $3.7M | 7 | 58.3% |
| #10 | Caroline Roy | 271203 | GoPrime Mortgage, Inc. | 69551 | Bozeman, MT | $3.1M | 7 | 35.0% |
| #10 | Lisa Pickens | 613976 | Glacier Bank | 472212 | Helena, MT | $2.7M | 7 | 53.8% |
| #10 | Crystal Eckerson | 400351 | Evergreen Moneysource Mortgage Company | 3182 | Helena, MT | $3.1M | 7 | 33.3% |
| #10 | Sammy Van Dyke | 776569 | Billings Federal Credit Union | 462141 | Billings, MT | $1.7M | 7 | 58.3% |
| #10 | Michael Banks | 404629 | Opportunity Bank of Montana | 412554 | Great Falls, MT | $2.5M | 7 | 50.0% |
| #16 | Elizabeth Klunder | 716654 | Glacier Bank | 472212 | Billings, MT | $2.9M | 6 | 60.0% |
| #16 | John Baldridge | 1942991 | Prosperity Home Mortgage, LLC | 75164 | Newport Beach, CA | $2.6M | 6 | 37.5% |
| #16 | Bryon Smith | 259031 | Bryon Smith Mortgage LLC | 259426 | Missoula, MT | $2.6M | 6 | 31.6% |
| #16 | Zachary Falk | 2082543 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $4.1M | 6 | 54.5% |
| #16 | Myles Link | 253904 | Opportunity Bank of Montana | 412554 | Missoula, MT | $2.6M | 6 | 54.5% |
| #21 | Stephen Cooney | 487376 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $2.0M | 5 | 35.7% |
| #21 | Colleen Wood | 1118454 | Wood Team Home Mortgage LLC | 2535756 | Red Lodge, MT | $2.4M | 5 | 33.3% |
| #21 | Brian Hafner | 1620055 | Lower, LLC | 1124061 | Billings, MT | $1.9M | 5 | 45.5% |
| #21 | Lindsay Lee | 1002501 | Russell Country Federal Credit Union | 421978 | Great Falls, MT | $440K | 5 | 31.3% |
| #21 | Casey Moen | 1733091 | Stockman Bank of Montana | 440094 | Great Falls, MT | $1.9M | 5 | 38.5% |
| #21 | David Christensen | 290471 | Mountain Lake Mortgage Corporation | 270653 | Kalispell, MT | $2.5M | 5 | 41.7% |
| #21 | Matthew Gehr | 1549221 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $1.7M | 5 | 50.0% |
| #21 | Maria Phelps | 1403722 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $2.5M | 5 | 50.0% |
| #29 | Tanner Aasheim | 892056 | Glacier Bank | 472212 | Bozeman, MT | $2.5M | 4 | 40.0% |
| #29 | Keith Valentine | 405843 | Barrington Bank & Trust Company N.A. | 449042 | Kalispell, MT | $1.8M | 4 | 40.0% |
| #29 | Emma Penna | 2053766 | Great Western Home Loans, Inc. | 1829215 | Bozeman, MT | $1.2M | 4 | 40.0% |
| #29 | John McEwen | 1913546 | Montana Educators' Credit Union | 780087 | Missoula, MT | $884K | 4 | 36.4% |
| #29 | Amanda Torgerson | 1083564 | Union Home Mortgage Corp. | 2229 | Bozeman, MT | $2.4M | 4 | 40.0% |
| #29 | Lindsay Kinniburgh | 339406 | Edge Home Finance, LLC | 891464 | Kalispell, MT | $1.9M | 4 | 28.6% |
| #35 | Natalie Lenderman | 708035 | Edge Home Finance, LLC | 891464 | Whitefish, MT | $1.1M | 3 | 30.0% |
| #35 | Carla Marinko | 526355 | Stockman Bank of Montana | 440094 | Belgrade, MT | $1.1M | 3 | 20.0% |
| #35 | Deborah Sokoloski | 716649 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $729K | 3 | 23.1% |
| #38 | DeDe Stoner | 250504 | Guild Mortgage Company LLC | 3274 | Billings, MT | $125K | 2 | 16.7% |
| #38 | Kelly Duray | 716674 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $786K | 2 | 11.8% |
| #38 | SHANE MCCHESNEY | 298182 | Barrington Bank & Trust Company N.A. | 449042 | Sherman Oaks, CA | $684K | 2 | 20.0% |
| #38 | Everette Cornwell | 794613 | Stockman Bank of Montana | 440094 | Great Falls, MT | $546K | 2 | 15.4% |
| #38 | Christopher Ackerman | 450337 | Guaranteed Rate, Inc. | 2611 | Billings, MT | $1.2M | 2 | 20.0% |
| #38 | Scott Lucier | 1637174 | loanDepot.com, LLC | 174457 | Boise, ID | $933K | 2 | 16.7% |
| #44 | Corey Hill | 747559 | Premier Mortgage Resources, L.L.C. | 1169 | Helena, MT | $613K | 1 | 7.1% |
| #44 | Sherrie Kitto | 501919 | CMG Mortgage, Inc. | 1820 | Bozeman, MT | $367K | 1 | 9.1% |
| #44 | Christopher Dangerfield | 400362 | Fairway Independent Mortgage Corporation | 2289 | Great Falls, MT | $548K | 1 | 7.7% |
| #44 | Lynn Stenerson | 707851 | Stockman Bank of Montana | 440094 | Missoula, MT | $650K | 1 | 10.0% |
| #44 | Jason Edmister | 523487 | Stockman Bank of Montana | 440094 | Great Falls, MT | $509K | 1 | 10.0% |
| #44 | David Boye | 235086 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $160K | 1 | 10.0% |
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 — Montana. Powered by MMI public record mortgage production data, accessed July 7, 2026. https://topmortgageoriginators.com/lo-leaderboard/montana/top-retention-by-units
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