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 October 11, 2026, the top 3 include Sara Koelzer (Guaranteed Rate, Inc., NMLS #400361), John Baldridge (Prosperity Home Mortgage, LLC, NMLS #1942991), and Matthew Gehr (Jenks & Gehr Mortgage, LLC, NMLS #1549221).
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 | $18.3M | 26 | 53.1% |
| #2 | John Baldridge | 1942991 | Prosperity Home Mortgage, LLC | 75164 | Newport Beach, CA | $7.1M | 18 | 69.2% |
| #3 | Matthew Gehr | 1549221 | Jenks & Gehr Mortgage, LLC | 2898535 | Missoula, MT | $8.6M | 17 | 70.8% |
| #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 | 14 | 45.2% |
| #6 | Julie Lapham | 292964 | Everett Financial, Inc. | 2129 | Missoula, MT | $4.0M | 13 | 36.1% |
| #6 | Stephen Cooney | 487376 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $5.8M | 13 | 50.0% |
| #6 | Lindsay Lee | 1002501 | Russell Country Federal Credit Union | 421978 | Great Falls, MT | $1.0M | 13 | 59.1% |
| #9 | 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 | Matthew Rizzolo | 1724580 | Flathead Valley Mortgage LLC | 2258019 | Columbia Falls, MT | $5.3M | 11 | 61.1% |
| #10 | Shannon Foley | 265969 | CMG Mortgage, Inc. | 1820 | Bozeman, MT | $3.2M | 11 | 78.6% |
| #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 | 45.5% |
| #13 | Moriah Lundeen | 193988 | Eagle Bank | 440469 | Polson, MT | $3.7M | 10 | 52.6% |
| #13 | Nicole Hanni | 487293 | Guild Mortgage Company LLC | 3274 | Butte, MT | $2.6M | 10 | 47.6% |
| #13 | Crystal Eckerson | 400351 | Evergreen Moneysource Mortgage Company | 3182 | Helena, MT | $4.0M | 10 | 43.5% |
| #13 | Cambria Hidalgo | 2005391 | Glacier Bank | 472212 | Whitefish, MT | $4.2M | 10 | 71.4% |
| #13 | Kelly Duray | 716674 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $2.8M | 10 | 38.5% |
| #20 | Cassidy Leary | 1637124 | Guild Mortgage Company LLC | 3274 | Butte, MT | $1.4M | 9 | 81.8% |
| #20 | Toby Gilchrist | 487285 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | $4.3M | 9 | 64.3% |
| #20 | David Krueger | 1598813 | Montana Family Mortgage, LLC | 1625135 | Missoula, MT | $4.6M | 9 | 64.3% |
| #23 | Adelina Hanson | 1941846 | Flathead Valley Mortgage LLC | 2258019 | Columbia Falls, MT | $4.3M | 8 | 53.3% |
| #23 | Anthony Reynolds | 190047 | Barrington Bank & Trust Company N.A. | 449042 | Kalispell, MT | $3.3M | 8 | 50.0% |
| #23 | Kaycee Carroll | 716645 | YELLOWSTONE BANK, THE | 403398 | Billings, MT | $3.4M | 8 | 50.0% |
| #23 | Carla Marinko | 526355 | Stockman Bank of Montana | 440094 | Belgrade, MT | $3.2M | 8 | 29.6% |
| #23 | Curtis Gannon | 236333 | Glacier Bank | 472212 | Butte, MT | $1.5M | 8 | 42.1% |
| #28 | Renee Gaugler | 400368 | Cornerstone Capital Bank, SSB | 2258 | Bozeman, MT | $1.6M | 7 | 53.8% |
| #28 | SHANE MCCHESNEY | 298182 | Barrington Bank & Trust Company N.A. | 449042 | Sherman Oaks, CA | $2.6M | 7 | 58.3% |
| #30 | David Flugge | 729370 | New American Funding, LLC | 6606 | Helena, MT | $2.4M | 6 | 40.0% |
| #30 | Darel Handley | 1967311 | Grizzly Mortgage, LLC | 2607241 | Kalispell, MT | $3.3M | 6 | 50.0% |
| #30 | Deanna Felix | 1389503 | Stockman Bank of Montana | 440094 | Missoula, MT | $1.3M | 6 | 54.5% |
| #30 | David Jenks | 2177752 | Jenks & Gehr Mortgage, LLC | 2898535 | Missoula, MT | $2.1M | 6 | 60.0% |
| #30 | Heidi Olson | 80788 | CrossCountry Mortgage, LLC | 3029 | Bigfork, MT | $2.2M | 6 | 54.5% |
| #30 | Charlene Andersen | 417279 | Opportunity Bank of Montana | 412554 | Butte, MT | $1.7M | 6 | 54.5% |
| #30 | Myles Link | 253904 | Opportunity Bank of Montana | 412554 | Missoula, MT | $2.7M | 6 | 60.0% |
| #30 | Deborah Sokoloski | 716649 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $1.1M | 6 | 24.0% |
| #30 | AJ Erb | 1627258 | Altana Federal Credit Union | 417013 | Billings, MT | $872K | 6 | 40.0% |
| #30 | Keith Valentine | 405843 | Flathead Valley Mortgage LLC | 2258019 | Columbia Falls, MT | $3.1M | 6 | 42.9% |
| #30 | Casey Moen | 1733091 | Stockman Bank of Montana | 440094 | Great Falls, MT | $2.3M | 6 | 35.3% |
| #41 | Renae Harris | 1436394 | Stockman Bank of Montana | 440094 | Belgrade, MT | $1.6M | 5 | 45.5% |
| #41 | DeDe Stoner | 250504 | Guild Mortgage Company LLC | 3274 | Billings, MT | $916K | 5 | 45.5% |
| #41 | Jessica Haynes | 1854887 | VALLEY FINANCIAL CREDIT UNION | 478488 | Billings, MT | $1.5M | 5 | 41.7% |
| #41 | Dean Gillmore | 190283 | Clearwater Federal Credit Union | 447584 | Missoula, MT | $869K | 5 | 45.5% |
| #41 | Elex McAlear | 830117 | Glacier Bank | 472212 | Bozeman, MT | $3.8M | 5 | 50.0% |
| #41 | Mandi LaPierre | 514355 | Citizens Alliance Bank | 791572 | Great Falls, MT | $2.8M | 5 | 50.0% |
| #41 | Sherrie Kitto | 501919 | CMG Mortgage, Inc. | 1820 | Bozeman, MT | $1.7M | 5 | 38.5% |
| #41 | Tony Amaya | 712723 | Opportunity Bank of Montana | 412554 | Missoula, MT | $2.7M | 5 | 29.4% |
| #41 | Brian Hafner | 1620055 | Lower, LLC | 1124061 | Billings, MT | $1.6M | 5 | 33.3% |
| #41 | Betsy Rispens | 1446937 | Union Home Mortgage Corp. | 2229 | Helena, MT | $2.0M | 5 | 31.3% |
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 October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/montana/top-retention-by-units/2025
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