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 July 13, 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 | $14.7M | 22 | 59.5% |
| #2 | Emily Martello | 812363 | CrossCountry Mortgage, LLC | 3029 | Missoula, MT | $6.1M | 14 | 93.3% |
| #2 | Christine Farrington | 193640 | Edge Home Finance, LLC | 891464 | Las Vegas, NV | $6.4M | 14 | 51.9% |
| #4 | Shannon O'Hare | 523508 | CrossCountry Mortgage, LLC | 3029 | Bozeman, MT | $6.6M | 13 | 86.7% |
| #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% |
| #7 | Julie Lapham | 292964 | Everett Financial, Inc. | 2129 | Missoula, MT | $3.7M | 9 | 33.3% |
| #7 | Adelina Hanson | 1941846 | Flathead Valley Mortgage LLC | 2258019 | Columbia Falls, MT | $4.7M | 9 | 69.2% |
| #9 | Edward Nissen | 263692 | CrossCountry Mortgage, LLC | 3029 | Whitefish, MT | $5.1M | 8 | 57.1% |
| #10 | Crystal Eckerson | 400351 | Evergreen Moneysource Mortgage Company | 3182 | Helena, MT | $3.1M | 7 | 31.8% |
| #10 | Lisa Pickens | 613976 | Glacier Bank | 472212 | Helena, MT | $2.7M | 7 | 53.8% |
| #10 | Sammy Van Dyke | 776569 | Billings Federal Credit Union | 462141 | Billings, MT | $1.7M | 7 | 58.3% |
| #10 | Caroline Roy | 271203 | GoPrime Mortgage, Inc. | 69551 | Bozeman, MT | $3.1M | 7 | 33.3% |
| #10 | Michael Banks | 404629 | Opportunity Bank of Montana | 412554 | Great Falls, MT | $2.5M | 7 | 50.0% |
| #10 | Tiffany McNeff | 707795 | FIRST FEDERAL BANK & TRUST | 490477 | Billings, MT | $3.7M | 7 | 58.3% |
| #16 | Bryon Smith | 259031 | Bryon Smith Mortgage LLC | 259426 | Missoula, MT | $2.6M | 6 | 31.6% |
| #16 | David Christensen | 290471 | Mountain Lake Mortgage Corporation | 270653 | Kalispell, MT | $3.2M | 6 | 46.2% |
| #16 | Elizabeth Klunder | 716654 | Glacier Bank | 472212 | Billings, MT | $2.9M | 6 | 60.0% |
| #16 | John Baldridge | 1942991 | Prosperity Home Mortgage, LLC | 75164 | Newport Beach, CA | $2.6M | 6 | 37.5% |
| #16 | Myles Link | 253904 | Opportunity Bank of Montana | 412554 | Missoula, MT | $2.6M | 6 | 54.5% |
| #16 | Zachary Falk | 2082543 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $4.1M | 6 | 54.5% |
| #22 | Brian Hafner | 1620055 | Lower, LLC | 1124061 | Billings, MT | $1.9M | 5 | 45.5% |
| #22 | Stephen Cooney | 487376 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $2.0M | 5 | 35.7% |
| #22 | Matthew Gehr | 1549221 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $1.7M | 5 | 50.0% |
| #22 | Casey Moen | 1733091 | Stockman Bank of Montana | 440094 | Great Falls, MT | $1.9M | 5 | 38.5% |
| #22 | Lindsay Kinniburgh | 339406 | Edge Home Finance, LLC | 891464 | Kalispell, MT | $2.4M | 5 | 33.3% |
| #22 | Colleen Wood | 1118454 | Wood Team Home Mortgage LLC | 2535756 | Red Lodge, MT | $2.4M | 5 | 31.3% |
| #22 | Maria Phelps | 1403722 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $2.5M | 5 | 50.0% |
| #22 | Lindsay Lee | 1002501 | Russell Country Federal Credit Union | 421978 | Great Falls, MT | $440K | 5 | 31.3% |
| #30 | Tanner Aasheim | 892056 | Glacier Bank | 472212 | Bozeman, MT | $2.5M | 4 | 40.0% |
| #30 | Keith Valentine | 405843 | Barrington Bank & Trust Company N.A. | 449042 | Kalispell, MT | $1.8M | 4 | 40.0% |
| #30 | Amanda Torgerson | 1083564 | Union Home Mortgage Corp. | 2229 | Bozeman, MT | $2.4M | 4 | 40.0% |
| #30 | Emma Penna | 2053766 | Great Western Home Loans, Inc. | 1829215 | Bozeman, MT | $1.2M | 4 | 40.0% |
| #30 | John McEwen | 1913546 | Montana Educators' Credit Union | 780087 | Missoula, MT | $884K | 4 | 36.4% |
| #35 | Natalie Lenderman | 708035 | Edge Home Finance, LLC | 891464 | Whitefish, MT | $1.1M | 3 | 30.0% |
| #35 | Deborah Sokoloski | 716649 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $729K | 3 | 23.1% |
| #35 | Carla Marinko | 526355 | Stockman Bank of Montana | 440094 | Belgrade, MT | $1.1M | 3 | 20.0% |
| #38 | Everette Cornwell | 794613 | Stockman Bank of Montana | 440094 | Great Falls, MT | $546K | 2 | 15.4% |
| #38 | Kelly Duray | 716674 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $786K | 2 | 11.1% |
| #38 | DeDe Stoner | 250504 | Guild Mortgage Company LLC | 3274 | Billings, MT | $125K | 2 | 16.7% |
| #38 | SHANE MCCHESNEY | 298182 | Barrington Bank & Trust Company N.A. | 449042 | Sherman Oaks, CA | $684K | 2 | 20.0% |
| #38 | Christopher Ackerman | 450337 | Guaranteed Rate, Inc. | 2611 | Billings, MT | $1.2M | 2 | 20.0% |
| #38 | Scott Lucier | 1637174 | loanDepot.com, LLC | 174457 | Boise, ID | $933K | 2 | 15.4% |
| #44 | Corey Hill | 747559 | Premier Mortgage Resources, L.L.C. | 1169 | Helena, MT | $613K | 1 | 7.1% |
| #44 | Sherrie Kitto | 501919 | CMG Mortgage, Inc. | 1820 | Bozeman, MT | $367K | 1 | 9.1% |
| #44 | Christopher Dangerfield | 400362 | Fairway Independent Mortgage Corporation | 2289 | Great Falls, MT | $548K | 1 | 7.7% |
| #44 | Jason Edmister | 523487 | Stockman Bank of Montana | 440094 | Great Falls, MT | $509K | 1 | 9.1% |
| #44 | Lynn Stenerson | 707851 | Stockman Bank of Montana | 440094 | Missoula, MT | $650K | 1 | 10.0% |
| #44 | David Boye | 235086 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $160K | 1 | 10.0% |
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 July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/montana/top-retention-by-units/2026
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