Retention champions in Montana in 2026 so far, ranked by total volume. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of August 23, 2026, the top 3 include Sara Koelzer (Guaranteed Rate, Inc., NMLS #400361), Shannon O'Hare (CrossCountry Mortgage, LLC, NMLS #523508), 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 | Shannon O'Hare | 523508 | CrossCountry Mortgage, LLC | 3029 | Bozeman, MT | $6.6M | 13 | 81.3% |
| #3 | Christine Farrington | 193640 | Edge Home Finance, LLC | 891464 | Las Vegas, NV | $6.4M | 14 | 46.7% |
| #4 | Emily Martello | 812363 | CrossCountry Mortgage, LLC | 3029 | Missoula, MT | $6.3M | 15 | 75.0% |
| #5 | Roderick Leese | 409622 | TrailWest Bank | 677399 | Kalispell, MT | $6.0M | 10 | 71.4% |
| #6 | Edward Nissen | 263692 | CrossCountry Mortgage, LLC | 3029 | Whitefish, MT | $5.1M | 9 | 50.0% |
| #7 | Adelina Hanson | 1941846 | Flathead Valley Mortgage LLC | 2258019 | Columbia Falls, MT | $4.7M | 9 | 69.2% |
| #8 | Robert Vallance | 487547 | Opportunity Bank of Montana | 412554 | Missoula, MT | $4.3M | 10 | 58.8% |
| #9 | Ashley Peters | 2296873 | NEXA Mortgage, LLC | 1660690 | Mesa, AZ | $4.2M | 7 | 58.3% |
| #10 | Zachary Falk | 2082543 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $4.1M | 6 | 54.5% |
| #11 | Caroline Roy | 271203 | GoPrime Mortgage, Inc. | 69551 | Bozeman, MT | $4.0M | 9 | 39.1% |
| #12 | Julie Lapham | 292964 | Everett Financial, Inc. | 2129 | Missoula, MT | $3.9M | 10 | 31.3% |
| #13 | Tiffany McNeff | 707795 | FIRST FEDERAL BANK & TRUST | 490477 | Billings, MT | $3.9M | 8 | 53.3% |
| #14 | Elizabeth Klunder | 716654 | Glacier Bank | 472212 | Billings, MT | $3.5M | 7 | 63.6% |
| #15 | Crystal Eckerson | 400351 | Evergreen Moneysource Mortgage Company | 3182 | Helena, MT | $3.4M | 8 | 26.7% |
| #16 | Tracy Guenther | 1928364 | C2 Financial Corporation | 135622 | Bozeman, MT | $3.3M | 6 | 50.0% |
| #17 | John Baldridge | 1942991 | Prosperity Home Mortgage, LLC | 75164 | Newport Beach, CA | $3.3M | 8 | 42.1% |
| #18 | Corey Cremer | 1362334 | Glacier Bank | 472212 | Missoula, MT | $3.3M | 6 | 50.0% |
| #19 | David Christensen | 290471 | Mountain Lake Mortgage Corporation | 270653 | Kalispell, MT | $3.2M | 6 | 35.3% |
| #20 | Maria Phelps | 1403722 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $3.1M | 6 | 54.5% |
| #21 | Bryon Smith | 259031 | Bryon Smith Mortgage LLC | 259426 | Missoula, MT | $3.0M | 7 | 33.3% |
| #22 | Lisa Pickens | 613976 | Glacier Bank | 472212 | Helena, MT | $3.0M | 8 | 47.1% |
| #23 | Lindsay Kinniburgh | 339406 | Edge Home Finance, LLC | 891464 | Kalispell, MT | $2.9M | 6 | 35.3% |
| #24 | Stephen Cooney | 487376 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $2.8M | 7 | 41.2% |
| #25 | Colleen Wood | 1118454 | Wood Team Home Mortgage LLC | 2535756 | Red Lodge, MT | $2.8M | 6 | 35.3% |
| #26 | Myles Link | 253904 | Opportunity Bank of Montana | 412554 | Missoula, MT | $2.6M | 6 | 50.0% |
| #27 | Michael Banks | 404629 | Opportunity Bank of Montana | 412554 | Great Falls, MT | $2.5M | 7 | 43.8% |
| #28 | Tanner Aasheim | 892056 | Glacier Bank | 472212 | Bozeman, MT | $2.5M | 4 | 30.8% |
| #29 | Amanda Torgerson | 1083564 | Union Home Mortgage Corp. | 2229 | Bozeman, MT | $2.4M | 4 | 33.3% |
| #30 | Matthew Gehr | 1549221 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $2.3M | 6 | 54.5% |
| #31 | Renee Gaugler | 400368 | Cornerstone Capital Bank, SSB | 2258 | Bozeman, MT | $2.0M | 5 | 41.7% |
| #32 | William Cockhill | 747566 | Stockman Bank of Montana | 440094 | Helena, MT | $2.0M | 5 | 41.7% |
| #33 | Sammy Van Dyke | 776569 | Billings Federal Credit Union | 462141 | Billings, MT | $2.0M | 8 | 61.5% |
| #34 | Kamber Kelly | 526357 | CrossCountry Mortgage, LLC | 3029 | Billings, MT | $2.0M | 5 | 50.0% |
| #35 | Casey Moen | 1733091 | Stockman Bank of Montana | 440094 | Great Falls, MT | $1.9M | 5 | 31.3% |
| #36 | Brian Hafner | 1620055 | Lower, LLC | 1124061 | Billings, MT | $1.9M | 7 | 43.8% |
| #37 | Kelly Cuffe | 707931 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | $1.9M | 5 | 50.0% |
| #38 | 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% |
| #40 | Acacia Madill | 1268142 | YELLOWSTONE BANK, THE | 403398 | Billings, MT | $1.4M | 3 | 27.3% |
| #41 | Maddie Clark | 1287840 | Glacier Bank | 472212 | Kalispell, MT | $1.4M | 3 | 30.0% |
| #42 | Janice Lake | 240568 | Envoy Mortgage Ltd | 6666 | Kalispell, MT | $1.4M | 3 | 27.3% |
| #43 | Tony Amaya | 712723 | Opportunity Bank of Montana | 412554 | Missoula, MT | $1.3M | 3 | 30.0% |
| #44 | Cambria Hidalgo | 2005391 | Glacier Bank | 472212 | Whitefish, MT | $1.3M | 4 | 33.3% |
| #45 | Nicole Hanni | 487293 | Guild Mortgage Company LLC | 3274 | Butte, MT | $1.3M | 6 | 54.5% |
| #46 | Mark Delorme | 1027436 | Barrington Bank & Trust Company N.A. | 449042 | Kalispell, MT | $1.2M | 2 | 20.0% |
| #47 | Christopher Ackerman | 450337 | Guaranteed Rate, Inc. | 2611 | Billings, MT | $1.2M | 2 | 16.7% |
| #48 | Emma Penna | 2053766 | CrossCountry Mortgage, LLC | 3029 | Bozeman, MT | $1.2M | 4 | 40.0% |
| #49 | John McEwen | 1913546 | Montana Educators' Credit Union | 780087 | Missoula, MT | $1.2M | 6 | 46.2% |
| #50 | Natalie Lenderman | 708035 | Edge Home Finance, LLC | 891464 | Whitefish, MT | $1.1M | 3 | 25.0% |
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 Volume — Montana. Powered by MMI public record mortgage production data, accessed August 23, 2026. https://topmortgageoriginators.com/lo-leaderboard/montana/top-retention-by-volume
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