Retention champions in Montana in 2026, 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), 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 | $15.3M | 24 | 53.3% |
| #2 | Emily Martello | 812363 | CrossCountry Mortgage, LLC | 3029 | Missoula, MT | $6.8M | 17 | 73.9% |
| #3 | Christine Farrington | 193640 | Edge Home Finance, LLC | 891464 | Las Vegas, NV | $6.7M | 15 | 46.9% |
| #4 | Shannon O'Hare | 523508 | CrossCountry Mortgage, LLC | 3029 | Bozeman, MT | $6.6M | 13 | 76.5% |
| #5 | Julie Lapham | 292964 | Everett Financial, Inc. | 2129 | Missoula, MT | $4.4M | 11 | 29.7% |
| #5 | Robert Vallance | 487547 | Opportunity Bank of Montana | 412554 | Missoula, MT | $4.5M | 11 | 61.1% |
| #7 | Roderick Leese | 409622 | TrailWest Bank | 677399 | Kalispell, MT | $6.0M | 10 | 66.7% |
| #8 | Crystal Eckerson | 400351 | Evergreen Moneysource Mortgage Company | 3182 | Helena, MT | $4.0M | 9 | 28.1% |
| #8 | Adelina Hanson | 1941846 | Flathead Valley Mortgage LLC | 2258019 | Columbia Falls, MT | $4.7M | 9 | 69.2% |
| #8 | Edward Nissen | 263692 | CrossCountry Mortgage, LLC | 3029 | Whitefish, MT | $5.1M | 9 | 45.0% |
| #8 | Caroline Roy | 271203 | GoPrime Mortgage, Inc. | 69551 | Bozeman, MT | $4.0M | 9 | 37.5% |
| #8 | Sammy Van Dyke | 776569 | Billings Federal Credit Union | 462141 | Billings, MT | $2.4M | 9 | 69.2% |
| #13 | Lisa Pickens | 613976 | Glacier Bank | 472212 | Helena, MT | $3.0M | 8 | 42.1% |
| #13 | John Baldridge | 1942991 | Prosperity Home Mortgage, LLC | 75164 | Newport Beach, CA | $3.3M | 8 | 38.1% |
| #13 | Stephen Cooney | 487376 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $3.2M | 8 | 44.4% |
| #13 | Tiffany McNeff | 707795 | FIRST FEDERAL BANK & TRUST | 490477 | Billings, MT | $3.9M | 8 | 53.3% |
| #17 | Ashley Peters | 2296873 | NEXA Mortgage, LLC | 1660690 | Mesa, AZ | $4.2M | 7 | 53.8% |
| #17 | Elizabeth Klunder | 716654 | Glacier Bank | 472212 | Billings, MT | $3.5M | 7 | 63.6% |
| #17 | David Christensen | 290471 | Mountain Lake Mortgage Corporation | 270653 | Kalispell, MT | $3.6M | 7 | 33.3% |
| #17 | Colleen Wood | 1118454 | Wood Team Home Mortgage LLC | 2535756 | Red Lodge, MT | $3.1M | 7 | 36.8% |
| #17 | Brian Hafner | 1620055 | Lower, LLC | 1124061 | Billings, MT | $1.9M | 7 | 41.2% |
| #17 | Michael Banks | 404629 | Opportunity Bank of Montana | 412554 | Great Falls, MT | $2.5M | 7 | 36.8% |
| #17 | Bryon Smith | 259031 | Bryon Smith Mortgage LLC | 259426 | Missoula, MT | $3.0M | 7 | 29.2% |
| #24 | Zachary Falk | 2082543 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $4.1M | 6 | 54.5% |
| #24 | Corey Cremer | 1362334 | Glacier Bank | 472212 | Missoula, MT | $3.3M | 6 | 46.2% |
| #24 | Matthew Gehr | 1549221 | Jenks & Gehr Mortgage, LLC | 2898535 | Missoula, MT | $2.3M | 6 | 46.2% |
| #24 | Toby Gilchrist | 487285 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | $3.5M | 6 | 54.5% |
| #24 | Moriah Lundeen | 193988 | Eagle Bank | 440469 | Polson, MT | $1.7M | 6 | 46.2% |
| #24 | Renee Gaugler | 400368 | Cornerstone Capital Bank, SSB | 2258 | Bozeman, MT | $2.4M | 6 | 42.9% |
| #24 | Mandi LaPierre | 514355 | Citizens Alliance Bank | 791572 | Great Falls, MT | $2.6M | 6 | 50.0% |
| #24 | John McEwen | 1913546 | Montana Educators' Credit Union | 780087 | — | $1.2M | 6 | 46.2% |
| #24 | Tracy Guenther | 1928364 | C2 Financial Corporation | 135622 | Bozeman, MT | $3.3M | 6 | 50.0% |
| #24 | Myles Link | 253904 | Opportunity Bank of Montana | 412554 | Missoula, MT | $2.6M | 6 | 46.2% |
| #24 | Lindsay Kinniburgh | 339406 | Edge Home Finance, LLC | 891464 | Kalispell, MT | $2.9M | 6 | 31.6% |
| #24 | DeDe Stoner | 250504 | Guild Mortgage Company LLC | 3274 | Billings, MT | $899K | 6 | 37.5% |
| #36 | Kelly Cuffe | 707931 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | $1.9M | 5 | 45.5% |
| #36 | Carla Marinko | 526355 | Stockman Bank of Montana | 440094 | Belgrade, MT | $1.9M | 5 | 26.3% |
| #36 | Kimberly Kemppainen | 349412 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | $2.5M | 5 | 50.0% |
| #36 | Carrie Lucon | 1433045 | Stockman Bank of Montana | 440094 | Dillon, MT | $1.5M | 5 | 45.5% |
| #36 | Kamber Kelly | 526357 | CrossCountry Mortgage, LLC | 3029 | Billings, MT | $2.0M | 5 | 45.5% |
| #36 | Casey Moen | 1733091 | Stockman Bank of Montana | 440094 | Great Falls, MT | $1.9M | 5 | 26.3% |
| #36 | William Cockhill | 747566 | Stockman Bank of Montana | 440094 | Helena, MT | $2.0M | 5 | 38.5% |
| #36 | Lindsay Lee | 1002501 | Russell Country Federal Credit Union | 421978 | Great Falls, MT | $440K | 5 | 17.2% |
| #36 | Maria Phelps | 1403722 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $2.6M | 5 | 50.0% |
| #45 | Cambria Hidalgo | 2005391 | Glacier Bank | 472212 | Whitefish, MT | $1.3M | 4 | 28.6% |
| #45 | Radostina Benner | 1231612 | Glacier Bank | 472212 | Bozeman, MT | $2.4M | 4 | 33.3% |
| #45 | Emma Penna | 2053766 | CrossCountry Mortgage, LLC | 3029 | Bozeman, MT | $1.2M | 4 | 36.4% |
| #45 | Jacqueline Helman | 569014 | VALLEY FINANCIAL CREDIT UNION | 478488 | Billings, MT | $1.3M | 4 | 40.0% |
| #45 | Keith Valentine | 405843 | Flathead Valley Mortgage LLC | 2258019 | Columbia Falls, MT | $1.8M | 4 | 40.0% |
| #45 | Amanda Torgerson | 1083564 | Union Home Mortgage Corp. | 2229 | Bozeman, MT | $2.4M | 4 | 30.8% |
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 (2026). Powered by MMI public record mortgage production data, accessed October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/montana/top-retention-by-units/2026
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