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 May 28, 2026, the top 3 include Sara Koelzer (Guaranteed Rate, Inc., NMLS #400361), Christine Farrington (Edge Home Finance, LLC, NMLS #193640), and Emily Martello (CrossCountry Mortgage, LLC, NMLS #812363).
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 | $13.3M | 19 | 63.3% |
| #2 | Christine Farrington | 193640 | Edge Home Finance, LLC | 891464 | Las Vegas, NV | $5.8M | 13 | 50.0% |
| #3 | Emily Martello | 812363 | CrossCountry Mortgage, LLC | 3029 | Missoula, MT | $5.7M | 12 | 92.3% |
| #4 | Shannon O'Hare | 523508 | CrossCountry Mortgage, LLC | 3029 | Bozeman, MT | $5.5M | 11 | 84.6% |
| #5 | Robert Vallance | 487547 | Opportunity Bank of Montana | 412554 | Missoula, MT | $4.3M | 10 | 58.8% |
| #5 | Roderick Leese | 409622 | TrailWest Bank | 677399 | Kalispell, MT | $6.0M | 10 | 71.4% |
| #7 | Adelina Hanson | 1941846 | Flathead Valley Mortgage LLC | 2258019 | Columbia Falls, MT | $4.7M | 9 | 69.2% |
| #8 | Julie Lapham | 292964 | Everett Financial, Inc. | 2129 | Missoula, MT | $3.2M | 8 | 34.8% |
| #8 | Edward Nissen | 263692 | CrossCountry Mortgage, LLC | 3029 | Whitefish, MT | $5.1M | 8 | 57.1% |
| #10 | Lisa Pickens | 613976 | Glacier Bank | 472212 | Helena, MT | $2.7M | 7 | 53.8% |
| #10 | Tiffany McNeff | 707795 | FIRST FEDERAL BANK & TRUST | 490477 | Billings, MT | $3.7M | 7 | 58.3% |
| #10 | Crystal Eckerson | 400351 | Evergreen Moneysource Mortgage Company | 3182 | Helena, MT | $3.1M | 7 | 41.2% |
| #13 | Myles Link | 253904 | Opportunity Bank of Montana | 412554 | Missoula, MT | $2.6M | 6 | 60.0% |
| #13 | Bryon Smith | 259031 | Bryon Smith Mortgage LLC | 259426 | Missoula, MT | $2.6M | 6 | 35.3% |
| #13 | Michael Banks | 404629 | Opportunity Bank of Montana | 412554 | Great Falls, MT | $1.8M | 6 | 46.2% |
| #13 | Caroline Roy | 271203 | GoPrime Mortgage, Inc. | 69551 | Bozeman, MT | $2.6M | 6 | 40.0% |
| #17 | Casey Moen | 1733091 | Stockman Bank of Montana | 440094 | Great Falls, MT | $1.9M | 5 | 41.7% |
| #17 | Lindsay Lee | 1002501 | MONTANA FEDERAL CREDIT UNION | 466184 | — | $440K | 5 | 35.7% |
| #17 | Stephen Cooney | 487376 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $2.0M | 5 | 35.7% |
| #17 | John Baldridge | 1942991 | Prosperity Home Mortgage, LLC | 75164 | Newport Beach, CA | $2.3M | 5 | 35.7% |
| #21 | Lindsay Kinniburgh | 339406 | Edge Home Finance, LLC | 891464 | Kalispell, MT | $1.9M | 4 | 28.6% |
| #21 | Colleen Wood | 1118454 | Wood Team Home Mortgage LLC | 2535756 | Red Lodge, MT | $1.8M | 4 | 33.3% |
| #21 | Keith Valentine | 405843 | Barrington Bank & Trust Company N.A. | 449042 | Kalispell, MT | $1.8M | 4 | 40.0% |
| #21 | Emma Penna | 2053766 | Great Western Home Loans, Inc. | 1829215 | Bozeman, MT | $1.2M | 4 | 40.0% |
| #25 | Kelly Duray | 716674 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $786K | 2 | 13.3% |
| #25 | Scott Lucier | 1637174 | loanDepot.com, LLC | 174457 | Boise, ID | $933K | 2 | 16.7% |
| #25 | Deborah Sokoloski | 716649 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $422K | 2 | 18.2% |
| #25 | SHANE MCCHESNEY | 298182 | Barrington Bank & Trust Company N.A. | 449042 | Sherman Oaks, CA | $684K | 2 | 20.0% |
| #25 | Carla Marinko | 526355 | Stockman Bank of Montana | 440094 | Belgrade, MT | $974K | 2 | 18.2% |
| #25 | DeDe Stoner | 250504 | Guild Mortgage Company LLC | 3274 | Billings, MT | $125K | 2 | 20.0% |
| #25 | Everette Cornwell | 794613 | Stockman Bank of Montana | 440094 | Great Falls, MT | $546K | 2 | 18.2% |
| #32 | Lynn Stenerson | 707851 | Stockman Bank of Montana | 440094 | Missoula, MT | $650K | 1 | 10.0% |
| #32 | Jason Edmister | 523487 | Stockman Bank of Montana | 440094 | Great Falls, MT | $509K | 1 | 10.0% |
| #32 | Corey Hill | 747559 | Premier Mortgage Resources, L.L.C. | 1169 | Helena, MT | $613K | 1 | 9.1% |
| #32 | Sherrie Kitto | 501919 | CMG Mortgage, Inc. | 1820 | Bozeman, MT | $367K | 1 | 9.1% |
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 May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/montana/top-retention-by-units/2026
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