Retention champions in Montana in 2025, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of August 27, 2026, the top 3 include Sara Koelzer (Guaranteed Rate, Inc., NMLS #400361), Matthew Gehr (PrimeLending, A PlainsCapital Company, NMLS #1549221), and John Baldridge (Prosperity Home Mortgage, LLC, NMLS #1942991).
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 | $17.7M | 25 | 52.1% |
| #2 | Matthew Gehr | 1549221 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $8.6M | 17 | 70.8% |
| #2 | John Baldridge | 1942991 | Prosperity Home Mortgage, LLC | 75164 | Newport Beach, CA | $6.7M | 17 | 68.0% |
| #4 | Colleen Wood | 1118454 | Wood Team Home Mortgage LLC | 2535756 | Red Lodge, MT | $7.2M | 16 | 44.4% |
| #5 | Christine Farrington | 193640 | Edge Home Finance, LLC | 891464 | Las Vegas, NV | $6.1M | 13 | 43.3% |
| #5 | Lindsay Lee | 1002501 | Russell Country Federal Credit Union | 421978 | Great Falls, MT | $1.0M | 13 | 59.1% |
| #5 | Julie Lapham | 292964 | Everett Financial, Inc. | 2129 | Missoula, MT | $4.0M | 13 | 36.1% |
| #8 | Stephen Cooney | 487376 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $5.1M | 12 | 48.0% |
| #8 | Emily Martello | 812363 | CrossCountry Mortgage, LLC | 3029 | Missoula, MT | $6.0M | 12 | 52.2% |
| #10 | Lindsay Kinniburgh | 339406 | Edge Home Finance, LLC | 891464 | Kalispell, MT | $5.1M | 11 | 57.9% |
| #10 | Shannon Foley | 265969 | CMG Mortgage, Inc. | 1820 | Bozeman, MT | $3.2M | 11 | 78.6% |
| #10 | Matthew Rizzolo | 1724580 | Flathead Valley Mortgage LLC | 2258019 | Columbia Falls, MT | $5.3M | 11 | 61.1% |
| #13 | Moriah Lundeen | 193988 | Eagle Bank | 440469 | Polson, MT | $3.7M | 10 | 52.6% |
| #13 | Kelly Duray | 716674 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $2.8M | 10 | 38.5% |
| #13 | Edward Nissen | 263692 | CrossCountry Mortgage, LLC | 3029 | Whitefish, MT | $2.0M | 10 | 47.6% |
| #13 | David Christensen | 290471 | Mountain Lake Mortgage Corporation | 270653 | Kalispell, MT | $5.2M | 10 | 47.6% |
| #13 | Crystal Eckerson | 400351 | Evergreen Moneysource Mortgage Company | 3182 | Helena, MT | $4.0M | 10 | 43.5% |
| #13 | Nicole Hanni | 487293 | Guild Mortgage Company LLC | 3274 | Butte, MT | $2.6M | 10 | 50.0% |
| #19 | Cassidy Leary | 1637124 | Guild Mortgage Company LLC | 3274 | Butte, MT | $1.4M | 9 | 81.8% |
| #19 | David Krueger | 1598813 | Montana Family Mortgage, LLC | 1625135 | Missoula, MT | $4.6M | 9 | 64.3% |
| #19 | Cambria Hidalgo | 2005391 | Glacier Bank | 472212 | Whitefish, MT | $3.8M | 9 | 69.2% |
| #19 | Toby Gilchrist | 487285 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | $4.3M | 9 | 64.3% |
| #23 | Adelina Hanson | 1941846 | Flathead Valley Mortgage LLC | 2258019 | Columbia Falls, MT | $4.3M | 8 | 53.3% |
| #23 | Kaycee Carroll | 716645 | YELLOWSTONE BANK, THE | 403398 | Billings, MT | $3.4M | 8 | 50.0% |
| #23 | Anthony Reynolds | 190047 | Barrington Bank & Trust Company N.A. | 449042 | Kalispell, MT | $3.3M | 8 | 47.1% |
| #26 | Carla Marinko | 526355 | Stockman Bank of Montana | 440094 | Belgrade, MT | $2.7M | 7 | 25.0% |
| #26 | SHANE MCCHESNEY | 298182 | Barrington Bank & Trust Company N.A. | 449042 | Sherman Oaks, CA | $2.6M | 7 | 58.3% |
| #26 | Renee Gaugler | 400368 | Cornerstone Capital Bank, SSB | 2258 | Bozeman, MT | $1.6M | 7 | 53.8% |
| #26 | Curtis Gannon | 236333 | Glacier Bank | 472212 | Butte, MT | $1.0M | 7 | 41.2% |
| #30 | David Jenks | 2177752 | Montana Family Mortgage, LLC | 1625135 | Missoula, MT | $2.1M | 6 | 60.0% |
| #30 | Myles Link | 253904 | Opportunity Bank of Montana | 412554 | Missoula, MT | $2.7M | 6 | 60.0% |
| #30 | Charlene Andersen | 417279 | Opportunity Bank of Montana | 412554 | Butte, MT | $1.7M | 6 | 54.5% |
| #30 | Heidi Olson | 80788 | CrossCountry Mortgage, LLC | 3029 | Bigfork, MT | $2.2M | 6 | 54.5% |
| #30 | Casey Moen | 1733091 | Stockman Bank of Montana | 440094 | Great Falls, MT | $2.3M | 6 | 35.3% |
| #30 | AJ Erb | 1627258 | Altana Federal Credit Union | 417013 | Billings, MT | $872K | 6 | 40.0% |
| #30 | Darel Handley | 1967311 | Grizzly Mortgage, LLC | 2607241 | Kalispell, MT | $3.3M | 6 | 50.0% |
| #30 | Keith Valentine | 405843 | Barrington Bank & Trust Company N.A. | 449042 | Kalispell, MT | $3.1M | 6 | 42.9% |
| #30 | Deanna Felix | 1389503 | Clearwater Federal Credit Union | 447584 | — | $1.3M | 6 | 54.5% |
| #30 | Deborah Sokoloski | 716649 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $1.1M | 6 | 24.0% |
| #40 | Betsy Rispens | 1446937 | Union Home Mortgage Corp. | 2229 | Helena, MT | $2.0M | 5 | 31.3% |
| #40 | Jessica Haynes | 1854887 | VALLEY FINANCIAL CREDIT UNION | 478488 | Billings, MT | $1.5M | 5 | 41.7% |
| #40 | Damien Adams | 296108 | GUARDIAN MORTGAGE, INC | 296207 | Billings, MT | $1.5M | 5 | 26.3% |
| #40 | Renae Harris | 1436394 | Stockman Bank of Montana | 440094 | Belgrade, MT | $1.6M | 5 | 50.0% |
| #40 | DeDe Stoner | 250504 | Guild Mortgage Company LLC | 3274 | Billings, MT | $916K | 5 | 45.5% |
| #40 | Sherrie Kitto | 501919 | CMG Mortgage, Inc. | 1820 | Bozeman, MT | $1.7M | 5 | 38.5% |
| #40 | Elex McAlear | 830117 | Glacier Bank | 472212 | Bozeman, MT | $3.8M | 5 | 50.0% |
| #40 | David Flugge | 729370 | New American Funding, LLC | 6606 | Helena, MT | $2.2M | 5 | 35.7% |
| #40 | Mandi LaPierre | 514355 | Citizens Alliance Bank | 791572 | Great Falls, MT | $2.8M | 5 | 45.5% |
| #40 | Brian Hafner | 1620055 | Lower, LLC | 1124061 | Billings, MT | $1.6M | 5 | 33.3% |
| #40 | Dean Gillmore | 190283 | Clearwater Federal Credit Union | 447584 | Missoula, MT | $869K | 5 | 45.5% |
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 (2025). Powered by MMI public record mortgage production data, accessed August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/montana/top-retention-by-units/2025
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