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 May 28, 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 | MONTANA FEDERAL CREDIT UNION | 466184 | — | $1.0M | 13 | 59.1% |
| #5 | Julie Lapham | 292964 | Everett Financial, Inc. | 2129 | Missoula, MT | $4.0M | 13 | 36.1% |
| #5 | Christine Farrington | 193640 | Edge Home Finance, LLC | 891464 | Las Vegas, NV | $6.1M | 13 | 43.3% |
| #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 | Holladay, UT | $3.2M | 11 | 78.6% |
| #10 | Matthew Rizzolo | 1724580 | Flathead Valley Mortgage LLC | 2258019 | Columbia Falls, MT | $5.3M | 11 | 64.7% |
| #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% |
| #13 | Crystal Eckerson | 400351 | Evergreen Moneysource Mortgage Company | 3182 | Helena, MT | $4.0M | 10 | 45.5% |
| #13 | Kelly Duray | 716674 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $2.8M | 10 | 38.5% |
| #13 | Moriah Lundeen | 193988 | Eagle Bank | 440469 | Polson, MT | $3.7M | 10 | 52.6% |
| #18 | Cassidy Leary | 1637124 | Guild Mortgage Company LLC | 3274 | Butte, MT | $1.4M | 9 | 81.8% |
| #18 | Toby Gilchrist | 487285 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | $4.3M | 9 | 69.2% |
| #18 | Edward Nissen | 263692 | CrossCountry Mortgage, LLC | 3029 | Whitefish, MT | $1.7M | 9 | 42.9% |
| #18 | David Krueger | 1598813 | Montana Family Mortgage, LLC | 1625135 | Missoula, MT | $4.6M | 9 | 64.3% |
| #18 | Cambria Hidalgo | 2005391 | Glacier Bank | 472212 | Whitefish, MT | $3.8M | 9 | 69.2% |
| #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 | Renee Gaugler | 400368 | Cornerstone Capital Bank, SSB | 2258 | Bozeman, MT | $1.6M | 7 | 58.3% |
| #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% |
| #30 | Casey Moen | 1733091 | Stockman Bank of Montana | 440094 | Great Falls, MT | $2.3M | 6 | 35.3% |
| #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 | 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 | Deanna Felix | 1389503 | Clearwater Federal Credit Union | 447584 | Missoula, MT | $1.3M | 6 | 54.5% |
| #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% |
| #38 | Jessica Haynes | 1854887 | VALLEY FINANCIAL CREDIT UNION | 478488 | Billings, MT | $1.5M | 5 | 41.7% |
| #38 | Dean Gillmore | 190283 | Clearwater Federal Credit Union | 447584 | Missoula, MT | $869K | 5 | 45.5% |
| #38 | John McEwen | 1913546 | Montana Educators' Credit Union | 780087 | Missoula, MT | $1.1M | 5 | 38.5% |
| #38 | Deborah Sokoloski | 716649 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $755K | 5 | 21.7% |
| #38 | Tony Amaya | 712723 | Opportunity Bank of Montana | 412554 | Missoula, MT | $2.7M | 5 | 29.4% |
| #38 | Mandi LaPierre | 514355 | Citizens Alliance Bank | 791572 | Great Falls, MT | $2.8M | 5 | 50.0% |
| #38 | David Flugge | 729370 | New American Funding, LLC | 6606 | Helena, MT | $2.2M | 5 | 35.7% |
| #38 | Elex McAlear | 830117 | Glacier Bank | 472212 | Bozeman, MT | $3.8M | 5 | 50.0% |
| #38 | Joseph Gabelhausen | 441013 | Opportunity Bank of Montana | 412554 | Missoula, MT | $2.3M | 5 | 50.0% |
| #38 | Damien Adams | 296108 | GUARDIAN MORTGAGE, INC | 296207 | Billings, MT | $1.5M | 5 | 26.3% |
| #38 | Betsy Rispens | 1446937 | Union Home Mortgage Corp. | 2229 | Helena, MT | $2.0M | 5 | 31.3% |
| #38 | Sherrie Kitto | 501919 | CMG Mortgage, Inc. | 1820 | Bozeman, MT | $1.7M | 5 | 38.5% |
| #38 | Brian Hafner | 1620055 | Lower, LLC | 1124061 | Billings, MT | $1.6M | 5 | 33.3% |
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 May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/montana/top-retention-by-units/2025
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