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 July 13, 2026, the top 3 include Sara Koelzer (Guaranteed Rate, Inc., NMLS #400361), John Baldridge (Prosperity Home Mortgage, LLC, NMLS #1942991), and Matthew Gehr (PrimeLending, A PlainsCapital Company, 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 | $17.7M | 25 | 52.1% |
| #2 | John Baldridge | 1942991 | Prosperity Home Mortgage, LLC | 75164 | Newport Beach, CA | $6.7M | 17 | 68.0% |
| #2 | Matthew Gehr | 1549221 | PrimeLending, A PlainsCapital Company | 13649 | 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 | Lindsay Lee | 1002501 | Russell Country Federal Credit Union | 421978 | Great Falls, MT | $1.0M | 13 | 59.1% |
| #5 | Christine Farrington | 193640 | Edge Home Finance, LLC | 891464 | Las Vegas, NV | $6.1M | 13 | 43.3% |
| #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 | Shannon Foley | 265969 | CMG Mortgage, Inc. | 1820 | Holladay, UT | $3.2M | 11 | 78.6% |
| #10 | Matthew Rizzolo | 1724580 | Flathead Valley Mortgage LLC | 2258019 | Columbia Falls, MT | $5.3M | 11 | 61.1% |
| #10 | Lindsay Kinniburgh | 339406 | Edge Home Finance, LLC | 891464 | Kalispell, MT | $5.1M | 11 | 57.9% |
| #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 | Crystal Eckerson | 400351 | Evergreen Moneysource Mortgage Company | 3182 | Helena, MT | $4.0M | 10 | 43.5% |
| #13 | Moriah Lundeen | 193988 | Eagle Bank | 440469 | Polson, MT | $3.7M | 10 | 52.6% |
| #13 | David Christensen | 290471 | Mountain Lake Mortgage Corporation | 270653 | Kalispell, MT | $5.2M | 10 | 47.6% |
| #13 | Nicole Hanni | 487293 | Guild Mortgage Company LLC | 3274 | Butte, MT | $2.6M | 10 | 50.0% |
| #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% |
| #19 | Cassidy Leary | 1637124 | Guild Mortgage Company LLC | 3274 | Butte, MT | $1.4M | 9 | 81.8% |
| #23 | Anthony Reynolds | 190047 | Barrington Bank & Trust Company N.A. | 449042 | Kalispell, MT | $3.3M | 8 | 47.1% |
| #23 | Kaycee Carroll | 716645 | Opportunity Bank of Montana | 412554 | Billings, MT | $3.4M | 8 | 50.0% |
| #23 | Adelina Hanson | 1941846 | Flathead Valley Mortgage LLC | 2258019 | Columbia Falls, MT | $4.3M | 8 | 53.3% |
| #26 | Carla Marinko | 526355 | Stockman Bank of Montana | 440094 | Belgrade, MT | $2.7M | 7 | 25.0% |
| #26 | Curtis Gannon | 236333 | Glacier Bank | 472212 | Butte, MT | $1.0M | 7 | 41.2% |
| #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% |
| #30 | Heidi Olson | 80788 | CrossCountry Mortgage, LLC | 3029 | Bigfork, MT | $2.2M | 6 | 54.5% |
| #30 | Keith Valentine | 405843 | Barrington Bank & Trust Company N.A. | 449042 | Kalispell, MT | $3.1M | 6 | 42.9% |
| #30 | AJ Erb | 1627258 | Altana Federal Credit Union | 417013 | Billings, MT | $872K | 6 | 40.0% |
| #30 | Charlene Andersen | 417279 | Opportunity Bank of Montana | 412554 | Butte, MT | $1.7M | 6 | 54.5% |
| #30 | Deanna Felix | 1389503 | Clearwater Federal Credit Union | 447584 | Missoula, MT | $1.3M | 6 | 54.5% |
| #30 | Darel Handley | 1967311 | Grizzly Mortgage, LLC | 2607241 | Kalispell, MT | $3.3M | 6 | 50.0% |
| #30 | Casey Moen | 1733091 | Stockman Bank of Montana | 440094 | Great Falls, MT | $2.3M | 6 | 35.3% |
| #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% |
| #39 | DeDe Stoner | 250504 | Guild Mortgage Company LLC | 3274 | Billings, MT | $916K | 5 | 45.5% |
| #39 | John McEwen | 1913546 | Montana Educators' Credit Union | 780087 | Missoula, MT | $1.1M | 5 | 38.5% |
| #39 | Deborah Sokoloski | 716649 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $755K | 5 | 20.8% |
| #39 | Damien Adams | 296108 | GUARDIAN MORTGAGE, INC | 296207 | Billings, MT | $1.5M | 5 | 26.3% |
| #39 | Renae Harris | 1436394 | Stockman Bank of Montana | 440094 | Belgrade, MT | $1.6M | 5 | 50.0% |
| #39 | Elex McAlear | 830117 | Glacier Bank | 472212 | Bozeman, MT | $3.8M | 5 | 50.0% |
| #39 | Tony Amaya | 712723 | Opportunity Bank of Montana | 412554 | Missoula, MT | $2.7M | 5 | 29.4% |
| #39 | Jessica Haynes | 1854887 | VALLEY FINANCIAL CREDIT UNION | 478488 | Billings, MT | $1.5M | 5 | 41.7% |
| #39 | David Flugge | 729370 | New American Funding, LLC | 6606 | Helena, MT | $2.2M | 5 | 35.7% |
| #39 | Dean Gillmore | 190283 | Clearwater Federal Credit Union | 447584 | Missoula, MT | $869K | 5 | 45.5% |
| #39 | Joseph Gabelhausen | 441013 | Opportunity Bank of Montana | 412554 | Missoula, MT | $2.3M | 5 | 50.0% |
| #39 | Mandi LaPierre | 514355 | Citizens Alliance Bank | 791572 | Great Falls, MT | $2.8M | 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 July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/montana/top-retention-by-units/2025
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