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 October 9, 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 | Roderick Leese | 409622 | TrailWest Bank | 677399 | Kalispell, MT | $6.0M | 10 | 66.7% |
| #6 | Edward Nissen | 263692 | CrossCountry Mortgage, LLC | 3029 | Whitefish, MT | $5.1M | 9 | 45.0% |
| #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 | $4.5M | 11 | 61.1% |
| #9 | Julie Lapham | 292964 | Everett Financial, Inc. | 2129 | Missoula, MT | $4.4M | 11 | 29.7% |
| #10 | Ashley Peters | 2296873 | NEXA Mortgage, LLC | 1660690 | Mesa, AZ | $4.2M | 7 | 53.8% |
| #11 | Zachary Falk | 2082543 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $4.1M | 6 | 54.5% |
| #12 | Crystal Eckerson | 400351 | Evergreen Moneysource Mortgage Company | 3182 | Helena, MT | $4.0M | 9 | 28.1% |
| #13 | Caroline Roy | 271203 | GoPrime Mortgage, Inc. | 69551 | Bozeman, MT | $4.0M | 9 | 37.5% |
| #14 | Tiffany McNeff | 707795 | FIRST FEDERAL BANK & TRUST | 490477 | Billings, MT | $3.9M | 8 | 53.3% |
| #15 | David Christensen | 290471 | Mountain Lake Mortgage Corporation | 270653 | Kalispell, MT | $3.6M | 7 | 33.3% |
| #16 | Elizabeth Klunder | 716654 | Glacier Bank | 472212 | Billings, MT | $3.5M | 7 | 63.6% |
| #17 | Toby Gilchrist | 487285 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | $3.5M | 6 | 54.5% |
| #18 | Tracy Guenther | 1928364 | C2 Financial Corporation | 135622 | Bozeman, MT | $3.3M | 6 | 50.0% |
| #19 | John Baldridge | 1942991 | Prosperity Home Mortgage, LLC | 75164 | Newport Beach, CA | $3.3M | 8 | 38.1% |
| #20 | Corey Cremer | 1362334 | Glacier Bank | 472212 | Missoula, MT | $3.3M | 6 | 46.2% |
| #21 | Stephen Cooney | 487376 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $3.2M | 8 | 44.4% |
| #22 | Colleen Wood | 1118454 | Wood Team Home Mortgage LLC | 2535756 | Red Lodge, MT | $3.1M | 7 | 36.8% |
| #23 | Bryon Smith | 259031 | Bryon Smith Mortgage LLC | 259426 | Missoula, MT | $3.0M | 7 | 29.2% |
| #24 | Lisa Pickens | 613976 | Glacier Bank | 472212 | Helena, MT | $3.0M | 8 | 42.1% |
| #25 | Lindsay Kinniburgh | 339406 | Edge Home Finance, LLC | 891464 | Kalispell, MT | $2.9M | 6 | 31.6% |
| #26 | Myles Link | 253904 | Opportunity Bank of Montana | 412554 | Missoula, MT | $2.6M | 6 | 46.2% |
| #27 | Maria Phelps | 1403722 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $2.6M | 5 | 50.0% |
| #28 | Mandi LaPierre | 514355 | Citizens Alliance Bank | 791572 | Great Falls, MT | $2.6M | 6 | 50.0% |
| #29 | Michael Banks | 404629 | Opportunity Bank of Montana | 412554 | Great Falls, MT | $2.5M | 7 | 36.8% |
| #30 | Kimberly Kemppainen | 349412 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | $2.5M | 5 | 50.0% |
| #31 | Radostina Benner | 1231612 | Glacier Bank | 472212 | Bozeman, MT | $2.4M | 4 | 33.3% |
| #32 | Sammy Van Dyke | 776569 | Billings Federal Credit Union | 462141 | Billings, MT | $2.4M | 9 | 69.2% |
| #33 | Amanda Torgerson | 1083564 | Union Home Mortgage Corp. | 2229 | Bozeman, MT | $2.4M | 4 | 30.8% |
| #34 | Renee Gaugler | 400368 | Cornerstone Capital Bank, SSB | 2258 | Bozeman, MT | $2.4M | 6 | 42.9% |
| #35 | Matthew Gehr | 1549221 | Jenks & Gehr Mortgage, LLC | 2898535 | Missoula, MT | $2.3M | 6 | 46.2% |
| #36 | Tanner Aasheim | 892056 | Glacier Bank | 472212 | Bozeman, MT | $2.1M | 3 | 23.1% |
| #37 | William Cockhill | 747566 | Stockman Bank of Montana | 440094 | Helena, MT | $2.0M | 5 | 38.5% |
| #38 | Kamber Kelly | 526357 | CrossCountry Mortgage, LLC | 3029 | Billings, MT | $2.0M | 5 | 45.5% |
| #39 | Casey Moen | 1733091 | Stockman Bank of Montana | 440094 | Great Falls, MT | $1.9M | 5 | 26.3% |
| #40 | Brian Hafner | 1620055 | Lower, LLC | 1124061 | Billings, MT | $1.9M | 7 | 41.2% |
| #41 | Carla Marinko | 526355 | Stockman Bank of Montana | 440094 | Belgrade, MT | $1.9M | 5 | 26.3% |
| #42 | Kelly Cuffe | 707931 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | $1.9M | 5 | 45.5% |
| #43 | Keith Valentine | 405843 | Flathead Valley Mortgage LLC | 2258019 | Columbia Falls, MT | $1.8M | 4 | 40.0% |
| #44 | Moriah Lundeen | 193988 | Eagle Bank | 440469 | Polson, MT | $1.7M | 6 | 46.2% |
| #45 | Carrie Lucon | 1433045 | Stockman Bank of Montana | 440094 | Dillon, MT | $1.5M | 5 | 45.5% |
| #46 | Shandice Kerr | 1510211 | Glacier Bank | 472212 | Polson, MT | $1.4M | 3 | 30.0% |
| #47 | Acacia Madill | 1268142 | YELLOWSTONE BANK, THE | 403398 | Billings, MT | $1.4M | 3 | 25.0% |
| #48 | Janice Lake | 240568 | Envoy Mortgage Ltd | 6666 | Kalispell, MT | $1.4M | 4 | 33.3% |
| #49 | Maddie Clark | 1287840 | Glacier Bank | 472212 | Kalispell, MT | $1.4M | 3 | 30.0% |
| #50 | Jacqueline Helman | 569014 | VALLEY FINANCIAL CREDIT UNION | 478488 | Billings, MT | $1.3M | 4 | 40.0% |
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 October 9, 2026. https://topmortgageoriginators.com/lo-leaderboard/montana/top-retention-by-volume
Powered by ChatMMI