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 August 27, 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 | $15.1M | 23 | 57.5% |
| #2 | Emily Martello | 812363 | CrossCountry Mortgage, LLC | 3029 | Missoula, MT | $6.3M | 15 | 75.0% |
| #3 | Christine Farrington | 193640 | Edge Home Finance, LLC | 891464 | Las Vegas, NV | $6.4M | 14 | 46.7% |
| #4 | Shannon O'Hare | 523508 | CrossCountry Mortgage, LLC | 3029 | Bozeman, MT | $6.6M | 13 | 81.3% |
| #5 | Julie Lapham | 292964 | Everett Financial, Inc. | 2129 | Missoula, MT | $3.9M | 10 | 31.3% |
| #5 | Roderick Leese | 409622 | TrailWest Bank | 677399 | Kalispell, MT | $6.0M | 10 | 71.4% |
| #5 | Robert Vallance | 487547 | Opportunity Bank of Montana | 412554 | Missoula, MT | $4.3M | 10 | 58.8% |
| #8 | Caroline Roy | 271203 | GoPrime Mortgage, Inc. | 69551 | Bozeman, MT | $4.0M | 9 | 39.1% |
| #8 | Edward Nissen | 263692 | CrossCountry Mortgage, LLC | 3029 | Whitefish, MT | $5.1M | 9 | 50.0% |
| #8 | Adelina Hanson | 1941846 | Flathead Valley Mortgage LLC | 2258019 | Columbia Falls, MT | $4.7M | 9 | 69.2% |
| #11 | Sammy Van Dyke | 776569 | Billings Federal Credit Union | 462141 | Billings, MT | $2.0M | 8 | 61.5% |
| #11 | Tiffany McNeff | 707795 | FIRST FEDERAL BANK & TRUST | 490477 | Billings, MT | $3.9M | 8 | 53.3% |
| #11 | John Baldridge | 1942991 | Prosperity Home Mortgage, LLC | 75164 | Newport Beach, CA | $3.3M | 8 | 42.1% |
| #11 | Crystal Eckerson | 400351 | Evergreen Moneysource Mortgage Company | 3182 | Helena, MT | $3.4M | 8 | 26.7% |
| #11 | Lisa Pickens | 613976 | Glacier Bank | 472212 | Helena, MT | $3.0M | 8 | 47.1% |
| #16 | Bryon Smith | 259031 | Bryon Smith Mortgage LLC | 259426 | Missoula, MT | $3.0M | 7 | 33.3% |
| #16 | Elizabeth Klunder | 716654 | Glacier Bank | 472212 | Billings, MT | $3.5M | 7 | 63.6% |
| #16 | Stephen Cooney | 487376 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $2.8M | 7 | 41.2% |
| #16 | Michael Banks | 404629 | Opportunity Bank of Montana | 412554 | Great Falls, MT | $2.5M | 7 | 43.8% |
| #16 | Brian Hafner | 1620055 | Lower, LLC | 1124061 | Billings, MT | $1.9M | 7 | 43.8% |
| #16 | Ashley Peters | 2296873 | NEXA Mortgage, LLC | 1660690 | Mesa, AZ | $4.2M | 7 | 58.3% |
| #22 | Corey Cremer | 1362334 | Glacier Bank | 472212 | Missoula, MT | $3.3M | 6 | 50.0% |
| #22 | Colleen Wood | 1118454 | Wood Team Home Mortgage LLC | 2535756 | Red Lodge, MT | $2.8M | 6 | 35.3% |
| #22 | Lindsay Kinniburgh | 339406 | Edge Home Finance, LLC | 891464 | Kalispell, MT | $2.9M | 6 | 35.3% |
| #22 | Nicole Hanni | 487293 | Guild Mortgage Company LLC | 3274 | Butte, MT | $1.3M | 6 | 54.5% |
| #22 | Maria Phelps | 1403722 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $3.1M | 6 | 54.5% |
| #22 | Matthew Gehr | 1549221 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $2.3M | 6 | 54.5% |
| #22 | Tracy Guenther | 1928364 | C2 Financial Corporation | 135622 | Bozeman, MT | $3.3M | 6 | 50.0% |
| #22 | John McEwen | 1913546 | Montana Educators' Credit Union | 780087 | Missoula, MT | $1.2M | 6 | 46.2% |
| #22 | Zachary Falk | 2082543 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $4.1M | 6 | 54.5% |
| #22 | Myles Link | 253904 | Opportunity Bank of Montana | 412554 | Missoula, MT | $2.6M | 6 | 50.0% |
| #22 | David Christensen | 290471 | Mountain Lake Mortgage Corporation | 270653 | Kalispell, MT | $3.2M | 6 | 35.3% |
| #33 | William Cockhill | 747566 | Stockman Bank of Montana | 440094 | Helena, MT | $2.0M | 5 | 41.7% |
| #33 | Casey Moen | 1733091 | Stockman Bank of Montana | 440094 | Great Falls, MT | $1.9M | 5 | 31.3% |
| #33 | Kamber Kelly | 526357 | CrossCountry Mortgage, LLC | 3029 | Billings, MT | $2.0M | 5 | 50.0% |
| #33 | Kelly Cuffe | 707931 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | $1.9M | 5 | 50.0% |
| #33 | Renee Gaugler | 400368 | Cornerstone Capital Bank, SSB | 2258 | Bozeman, MT | $2.0M | 5 | 41.7% |
| #33 | Lindsay Lee | 1002501 | Russell Country Federal Credit Union | 421978 | Great Falls, MT | $440K | 5 | 21.7% |
| #39 | Tanner Aasheim | 892056 | Glacier Bank | 472212 | Bozeman, MT | $2.5M | 4 | 30.8% |
| #39 | Moriah Lundeen | 193988 | Eagle Bank | 440469 | Polson, MT | $523K | 4 | 40.0% |
| #39 | Keith Valentine | 405843 | Barrington Bank & Trust Company N.A. | 449042 | Kalispell, MT | $1.8M | 4 | 40.0% |
| #39 | Carla Marinko | 526355 | Stockman Bank of Montana | 440094 | Belgrade, MT | $1.5M | 4 | 23.5% |
| #39 | Kelly Duray | 716674 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $1.0M | 4 | 17.4% |
| #39 | Cambria Hidalgo | 2005391 | Glacier Bank | 472212 | Whitefish, MT | $1.3M | 4 | 33.3% |
| #39 | Emma Penna | 2053766 | CrossCountry Mortgage, LLC | 3029 | Bozeman, MT | $1.2M | 4 | 40.0% |
| #39 | Amanda Torgerson | 1083564 | Union Home Mortgage Corp. | 2229 | Bozeman, MT | $2.4M | 4 | 33.3% |
| #47 | Deborah Sokoloski | 716649 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $729K | 3 | 20.0% |
| #47 | Tony Amaya | 712723 | Opportunity Bank of Montana | 412554 | Missoula, MT | $1.3M | 3 | 30.0% |
| #47 | Acacia Madill | 1268142 | YELLOWSTONE BANK, THE | 403398 | Billings, MT | $1.4M | 3 | 27.3% |
| #47 | Maddie Clark | 1287840 | Glacier Bank | 472212 | Kalispell, MT | $1.4M | 3 | 30.0% |
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 August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/montana/top-retention-by-units/2026
Powered by ChatMMI