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 August 23, 2026, the top 3 include Sara Koelzer (Guaranteed Rate, Inc., NMLS #400361), Emily Martello (CrossCountry Mortgage, LLC, NMLS #812363), and Christine Farrington (Edge Home Finance, LLC, NMLS #193640).
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 | $15.1M | 23 | 57.5% |
| #2 | Emily Martello | 812363 | CrossCountry Mortgage, LLC | 3029 | Missoula, MT | $6.3M | 15 | 75.0% |
| #3 | Christine Farrington | 193640 | Edge Home Finance, LLC | 891464 | Las Vegas, NV | $6.4M | 14 | 46.7% |
| #4 | Shannon O'Hare | 523508 | CrossCountry Mortgage, LLC | 3029 | Bozeman, MT | $6.6M | 13 | 81.3% |
| #5 | Robert Vallance | 487547 | Opportunity Bank of Montana | 412554 | Missoula, MT | $4.3M | 10 | 58.8% |
| #5 | Julie Lapham | 292964 | Everett Financial, Inc. | 2129 | Missoula, MT | $3.9M | 10 | 31.3% |
| #5 | Roderick Leese | 409622 | TrailWest Bank | 677399 | Kalispell, MT | $6.0M | 10 | 71.4% |
| #8 | Caroline Roy | 271203 | GoPrime Mortgage, Inc. | 69551 | Bozeman, MT | $4.0M | 9 | 39.1% |
| #8 | Edward Nissen | 263692 | CrossCountry Mortgage, LLC | 3029 | Whitefish, MT | $5.1M | 9 | 50.0% |
| #8 | Adelina Hanson | 1941846 | Flathead Valley Mortgage LLC | 2258019 | Columbia Falls, MT | $4.7M | 9 | 69.2% |
| #11 | Sammy Van Dyke | 776569 | Billings Federal Credit Union | 462141 | Billings, MT | $2.0M | 8 | 61.5% |
| #11 | Tiffany McNeff | 707795 | FIRST FEDERAL BANK & TRUST | 490477 | Billings, MT | $3.9M | 8 | 53.3% |
| #11 | John Baldridge | 1942991 | Prosperity Home Mortgage, LLC | 75164 | Newport Beach, CA | $3.3M | 8 | 42.1% |
| #11 | Crystal Eckerson | 400351 | Evergreen Moneysource Mortgage Company | 3182 | Helena, MT | $3.4M | 8 | 26.7% |
| #11 | Lisa Pickens | 613976 | Glacier Bank | 472212 | Helena, MT | $3.0M | 8 | 47.1% |
| #16 | Brian Hafner | 1620055 | Lower, LLC | 1124061 | Billings, MT | $1.9M | 7 | 43.8% |
| #16 | Michael Banks | 404629 | Opportunity Bank of Montana | 412554 | Great Falls, MT | $2.5M | 7 | 43.8% |
| #16 | Ashley Peters | 2296873 | NEXA Mortgage, LLC | 1660690 | Mesa, AZ | $4.2M | 7 | 58.3% |
| #16 | Bryon Smith | 259031 | Bryon Smith Mortgage LLC | 259426 | Missoula, MT | $3.0M | 7 | 33.3% |
| #16 | Stephen Cooney | 487376 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $2.8M | 7 | 41.2% |
| #16 | Elizabeth Klunder | 716654 | Glacier Bank | 472212 | Billings, MT | $3.5M | 7 | 63.6% |
| #22 | Nicole Hanni | 487293 | Guild Mortgage Company LLC | 3274 | Butte, MT | $1.3M | 6 | 54.5% |
| #22 | Lindsay Kinniburgh | 339406 | Edge Home Finance, LLC | 891464 | Kalispell, MT | $2.9M | 6 | 35.3% |
| #22 | Tracy Guenther | 1928364 | C2 Financial Corporation | 135622 | Bozeman, MT | $3.3M | 6 | 50.0% |
| #22 | Colleen Wood | 1118454 | Wood Team Home Mortgage LLC | 2535756 | Red Lodge, MT | $2.8M | 6 | 35.3% |
| #22 | John McEwen | 1913546 | Montana Educators' Credit Union | 780087 | Missoula, MT | $1.2M | 6 | 46.2% |
| #22 | Matthew Gehr | 1549221 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $2.3M | 6 | 54.5% |
| #22 | Maria Phelps | 1403722 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $3.1M | 6 | 54.5% |
| #22 | Zachary Falk | 2082543 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $4.1M | 6 | 54.5% |
| #22 | David Christensen | 290471 | Mountain Lake Mortgage Corporation | 270653 | Kalispell, MT | $3.2M | 6 | 35.3% |
| #22 | Myles Link | 253904 | Opportunity Bank of Montana | 412554 | Missoula, MT | $2.6M | 6 | 50.0% |
| #22 | Corey Cremer | 1362334 | Glacier Bank | 472212 | Missoula, MT | $3.3M | 6 | 50.0% |
| #33 | Casey Moen | 1733091 | Stockman Bank of Montana | 440094 | Great Falls, MT | $1.9M | 5 | 31.3% |
| #33 | Lindsay Lee | 1002501 | Russell Country Federal Credit Union | 421978 | Great Falls, MT | $440K | 5 | 21.7% |
| #33 | Renee Gaugler | 400368 | Cornerstone Capital Bank, SSB | 2258 | Bozeman, MT | $2.0M | 5 | 41.7% |
| #33 | Kamber Kelly | 526357 | CrossCountry Mortgage, LLC | 3029 | Billings, MT | $2.0M | 5 | 50.0% |
| #33 | William Cockhill | 747566 | Stockman Bank of Montana | 440094 | Helena, MT | $2.0M | 5 | 41.7% |
| #33 | Kelly Cuffe | 707931 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | $1.9M | 5 | 50.0% |
| #39 | Amanda Torgerson | 1083564 | Union Home Mortgage Corp. | 2229 | Bozeman, MT | $2.4M | 4 | 33.3% |
| #39 | Emma Penna | 2053766 | CrossCountry Mortgage, LLC | 3029 | Bozeman, MT | $1.2M | 4 | 40.0% |
| #39 | Tanner Aasheim | 892056 | Glacier Bank | 472212 | Bozeman, MT | $2.5M | 4 | 30.8% |
| #39 | Carla Marinko | 526355 | Stockman Bank of Montana | 440094 | Belgrade, MT | $1.5M | 4 | 23.5% |
| #39 | Moriah Lundeen | 193988 | Eagle Bank | 440469 | Polson, MT | $523K | 4 | 40.0% |
| #39 | Kelly Duray | 716674 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $1.0M | 4 | 17.4% |
| #39 | Cambria Hidalgo | 2005391 | Glacier Bank | 472212 | Whitefish, MT | $1.3M | 4 | 33.3% |
| #39 | Keith Valentine | 405843 | Barrington Bank & Trust Company N.A. | 449042 | Kalispell, MT | $1.8M | 4 | 40.0% |
| #47 | DeDe Stoner | 250504 | Guild Mortgage Company LLC | 3274 | Billings, MT | $235K | 3 | 23.1% |
| #47 | Janice Lake | 240568 | Envoy Mortgage Ltd | 6666 | Kalispell, MT | $1.4M | 3 | 27.3% |
| #47 | Acacia Madill | 1268142 | YELLOWSTONE BANK, THE | 403398 | Billings, MT | $1.4M | 3 | 27.3% |
| #47 | Natalie Lenderman | 708035 | Edge Home Finance, LLC | 891464 | Whitefish, MT | $1.1M | 3 | 25.0% |
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 August 23, 2026. https://topmortgageoriginators.com/lo-leaderboard/montana/top-retention-by-units
Powered by ChatMMI