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 July 7, 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 | $14.7M | 22 | 59.5% |
| #2 | Shannon O'Hare | 523508 | CrossCountry Mortgage, LLC | 3029 | Bozeman, MT | $6.6M | 13 | 86.7% |
| #3 | Christine Farrington | 193640 | Edge Home Finance, LLC | 891464 | Las Vegas, NV | $6.4M | 14 | 51.9% |
| #4 | Emily Martello | 812363 | CrossCountry Mortgage, LLC | 3029 | Missoula, MT | $6.1M | 14 | 93.3% |
| #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 | 8 | 57.1% |
| #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 | Zachary Falk | 2082543 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $4.1M | 6 | 54.5% |
| #10 | Tiffany McNeff | 707795 | FIRST FEDERAL BANK & TRUST | 490477 | Billings, MT | $3.7M | 7 | 58.3% |
| #11 | Julie Lapham | 292964 | Everett Financial, Inc. | 2129 | Missoula, MT | $3.7M | 9 | 33.3% |
| #12 | David Christensen | 290471 | Mountain Lake Mortgage Corporation | 270653 | Kalispell, MT | $3.2M | 6 | 46.2% |
| #13 | Caroline Roy | 271203 | GoPrime Mortgage, Inc. | 69551 | Bozeman, MT | $3.1M | 7 | 33.3% |
| #14 | Crystal Eckerson | 400351 | Evergreen Moneysource Mortgage Company | 3182 | Helena, MT | $3.1M | 7 | 31.8% |
| #15 | Elizabeth Klunder | 716654 | Glacier Bank | 472212 | Billings, MT | $2.9M | 6 | 60.0% |
| #16 | Lisa Pickens | 613976 | Glacier Bank | 472212 | Helena, MT | $2.7M | 7 | 53.8% |
| #17 | Bryon Smith | 259031 | Bryon Smith Mortgage LLC | 259426 | Missoula, MT | $2.6M | 6 | 31.6% |
| #18 | Myles Link | 253904 | Opportunity Bank of Montana | 412554 | Missoula, MT | $2.6M | 6 | 54.5% |
| #19 | John Baldridge | 1942991 | Prosperity Home Mortgage, LLC | 75164 | Newport Beach, CA | $2.6M | 6 | 37.5% |
| #20 | Michael Banks | 404629 | Opportunity Bank of Montana | 412554 | Great Falls, MT | $2.5M | 7 | 50.0% |
| #21 | Tanner Aasheim | 892056 | Glacier Bank | 472212 | Bozeman, MT | $2.5M | 4 | 40.0% |
| #22 | Maria Phelps | 1403722 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $2.5M | 5 | 50.0% |
| #23 | Colleen Wood | 1118454 | Wood Team Home Mortgage LLC | 2535756 | Red Lodge, MT | $2.4M | 5 | 31.3% |
| #24 | Amanda Torgerson | 1083564 | Union Home Mortgage Corp. | 2229 | Bozeman, MT | $2.4M | 4 | 40.0% |
| #25 | Lindsay Kinniburgh | 339406 | Edge Home Finance, LLC | 891464 | Kalispell, MT | $2.4M | 5 | 33.3% |
| #26 | Stephen Cooney | 487376 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $2.0M | 5 | 35.7% |
| #27 | Casey Moen | 1733091 | Stockman Bank of Montana | 440094 | Great Falls, MT | $1.9M | 5 | 38.5% |
| #28 | Brian Hafner | 1620055 | Lower, LLC | 1124061 | Billings, MT | $1.9M | 5 | 45.5% |
| #29 | Keith Valentine | 405843 | Barrington Bank & Trust Company N.A. | 449042 | Kalispell, MT | $1.8M | 4 | 40.0% |
| #30 | Sammy Van Dyke | 776569 | Billings Federal Credit Union | 462141 | Billings, MT | $1.7M | 7 | 58.3% |
| #31 | Matthew Gehr | 1549221 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $1.7M | 5 | 50.0% |
| #32 | Christopher Ackerman | 450337 | Guaranteed Rate, Inc. | 2611 | Billings, MT | $1.2M | 2 | 20.0% |
| #33 | Emma Penna | 2053766 | Great Western Home Loans, Inc. | 1829215 | Bozeman, MT | $1.2M | 4 | 40.0% |
| #34 | Natalie Lenderman | 708035 | Edge Home Finance, LLC | 891464 | Whitefish, MT | $1.1M | 3 | 30.0% |
| #35 | Carla Marinko | 526355 | Stockman Bank of Montana | 440094 | Belgrade, MT | $1.1M | 3 | 20.0% |
| #36 | Scott Lucier | 1637174 | loanDepot.com, LLC | 174457 | Boise, ID | $933K | 2 | 15.4% |
| #37 | John McEwen | 1913546 | Montana Educators' Credit Union | 780087 | Missoula, MT | $884K | 4 | 36.4% |
| #38 | Kelly Duray | 716674 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $786K | 2 | 11.1% |
| #39 | Deborah Sokoloski | 716649 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $729K | 3 | 23.1% |
| #40 | SHANE MCCHESNEY | 298182 | Barrington Bank & Trust Company N.A. | 449042 | Sherman Oaks, CA | $684K | 2 | 20.0% |
| #41 | Lynn Stenerson | 707851 | Stockman Bank of Montana | 440094 | Missoula, MT | $650K | 1 | 10.0% |
| #42 | Corey Hill | 747559 | Premier Mortgage Resources, L.L.C. | 1169 | Helena, MT | $613K | 1 | 7.1% |
| #43 | Christopher Dangerfield | 400362 | Fairway Independent Mortgage Corporation | 2289 | Great Falls, MT | $548K | 1 | 7.7% |
| #44 | Everette Cornwell | 794613 | Stockman Bank of Montana | 440094 | Great Falls, MT | $546K | 2 | 15.4% |
| #45 | Jason Edmister | 523487 | Stockman Bank of Montana | 440094 | Great Falls, MT | $509K | 1 | 9.1% |
| #46 | Lindsay Lee | 1002501 | Russell Country Federal Credit Union | 421978 | Great Falls, MT | $440K | 5 | 31.3% |
| #47 | Sherrie Kitto | 501919 | CMG Mortgage, Inc. | 1820 | Bozeman, MT | $367K | 1 | 9.1% |
| #48 | David Boye | 235086 | Black Diamond Mortgage Corporation | 209137 | Whitefish, MT | $160K | 1 | 10.0% |
| #49 | DeDe Stoner | 250504 | Guild Mortgage Company LLC | 3274 | Billings, MT | $125K | 2 | 16.7% |
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 July 7, 2026. https://topmortgageoriginators.com/lo-leaderboard/montana/top-retention-by-volume
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