Retention champions in Montana in 2025, ranked by total volume. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of May 28, 2026, the top 3 include Sara Koelzer (Guaranteed Rate, Inc., NMLS #400361), Matthew Gehr (PrimeLending, A PlainsCapital Company, NMLS #1549221), and Colleen Wood (Wood Team Home Mortgage LLC, NMLS #1118454).
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 | $17.7M | 25 | 52.1% |
| #2 | Matthew Gehr | 1549221 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $8.6M | 17 | 70.8% |
| #3 | Colleen Wood | 1118454 | Wood Team Home Mortgage LLC | 2535756 | Red Lodge, MT | $7.2M | 16 | 44.4% |
| #4 | John Baldridge | 1942991 | Prosperity Home Mortgage, LLC | 75164 | Newport Beach, CA | $6.7M | 17 | 68.0% |
| #5 | Christine Farrington | 193640 | Edge Home Finance, LLC | 891464 | Las Vegas, NV | $6.1M | 13 | 43.3% |
| #6 | Emily Martello | 812363 | CrossCountry Mortgage, LLC | 3029 | Missoula, MT | $6.0M | 12 | 52.2% |
| #7 | Matthew Rizzolo | 1724580 | Flathead Valley Mortgage LLC | 2258019 | Columbia Falls, MT | $5.3M | 11 | 64.7% |
| #8 | David Christensen | 290471 | Mountain Lake Mortgage Corporation | 270653 | Kalispell, MT | $5.2M | 10 | 47.6% |
| #9 | Lindsay Kinniburgh | 339406 | Edge Home Finance, LLC | 891464 | Kalispell, MT | $5.1M | 11 | 57.9% |
| #10 | Stephen Cooney | 487376 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $5.1M | 12 | 48.0% |
| #11 | David Krueger | 1598813 | Montana Family Mortgage, LLC | 1625135 | Missoula, MT | $4.6M | 9 | 64.3% |
| #12 | Toby Gilchrist | 487285 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | $4.3M | 9 | 69.2% |
| #13 | Adelina Hanson | 1941846 | Flathead Valley Mortgage LLC | 2258019 | Columbia Falls, MT | $4.3M | 8 | 53.3% |
| #14 | Julie Lapham | 292964 | Everett Financial, Inc. | 2129 | Missoula, MT | $4.0M | 13 | 36.1% |
| #15 | Crystal Eckerson | 400351 | Evergreen Moneysource Mortgage Company | 3182 | Helena, MT | $4.0M | 10 | 45.5% |
| #16 | Cambria Hidalgo | 2005391 | Glacier Bank | 472212 | Whitefish, MT | $3.8M | 9 | 69.2% |
| #17 | Elex McAlear | 830117 | Glacier Bank | 472212 | Bozeman, MT | $3.8M | 5 | 50.0% |
| #18 | Moriah Lundeen | 193988 | Eagle Bank | 440469 | Polson, MT | $3.7M | 10 | 52.6% |
| #19 | Kaycee Carroll | 716645 | Opportunity Bank of Montana | 412554 | Billings, MT | $3.4M | 8 | 50.0% |
| #20 | Darel Handley | 1967311 | Grizzly Mortgage, LLC | 2607241 | Kalispell, MT | $3.3M | 6 | 50.0% |
| #21 | Anthony Reynolds | 190047 | Barrington Bank & Trust Company N.A. | 449042 | Kalispell, MT | $3.3M | 8 | 47.1% |
| #22 | Shannon Foley | 265969 | CMG Mortgage, Inc. | 1820 | Holladay, UT | $3.2M | 11 | 78.6% |
| #23 | Keith Valentine | 405843 | Barrington Bank & Trust Company N.A. | 449042 | Kalispell, MT | $3.1M | 6 | 42.9% |
| #24 | Caroline Roy | 271203 | GoPrime Mortgage, Inc. | 69551 | Bozeman, MT | $3.0M | 3 | 27.3% |
| #25 | Kelly Duray | 716674 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $2.8M | 10 | 38.5% |
| #26 | Mandi LaPierre | 514355 | Citizens Alliance Bank | 791572 | Great Falls, MT | $2.8M | 5 | 50.0% |
| #27 | Myles Link | 253904 | Opportunity Bank of Montana | 412554 | Missoula, MT | $2.7M | 6 | 60.0% |
| #28 | Carla Marinko | 526355 | Stockman Bank of Montana | 440094 | Belgrade, MT | $2.7M | 7 | 25.0% |
| #29 | Tony Amaya | 712723 | Opportunity Bank of Montana | 412554 | Missoula, MT | $2.7M | 5 | 29.4% |
| #30 | SHANE MCCHESNEY | 298182 | Barrington Bank & Trust Company N.A. | 449042 | Sherman Oaks, CA | $2.6M | 7 | 58.3% |
| #31 | Nicole Hanni | 487293 | Guild Mortgage Company LLC | 3274 | Butte, MT | $2.6M | 10 | 50.0% |
| #32 | Corey Hill | 747559 | Premier Mortgage Resources, L.L.C. | 1169 | Helena, MT | $2.5M | 4 | 23.5% |
| #33 | Sammy Van Dyke | 776569 | Billings Federal Credit Union | 462141 | Billings, MT | $2.5M | 3 | 21.4% |
| #34 | Joseph Gabelhausen | 441013 | Opportunity Bank of Montana | 412554 | Missoula, MT | $2.3M | 5 | 50.0% |
| #35 | Casey Moen | 1733091 | Stockman Bank of Montana | 440094 | Great Falls, MT | $2.3M | 6 | 35.3% |
| #36 | David Flugge | 729370 | New American Funding, LLC | 6606 | Helena, MT | $2.2M | 5 | 35.7% |
| #37 | Heidi Olson | 80788 | CrossCountry Mortgage, LLC | 3029 | Bigfork, MT | $2.2M | 6 | 54.5% |
| #38 | Kimberly Kemppainen | 349412 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | $2.1M | 4 | 25.0% |
| #39 | Radostina Benner | 1231612 | Glacier Bank | 472212 | Bozeman, MT | $2.1M | 3 | 30.0% |
| #40 | Betsy Rispens | 1446937 | Union Home Mortgage Corp. | 2229 | Helena, MT | $2.0M | 5 | 31.3% |
| #41 | Charlene Andersen | 417279 | Opportunity Bank of Montana | 412554 | Butte, MT | $1.7M | 6 | 54.5% |
| #42 | Edward Nissen | 263692 | CrossCountry Mortgage, LLC | 3029 | Whitefish, MT | $1.7M | 9 | 42.9% |
| #43 | Sherrie Kitto | 501919 | CMG Mortgage, Inc. | 1820 | Bozeman, MT | $1.7M | 5 | 38.5% |
| #44 | Natalie Lenderman | 708035 | Edge Home Finance, LLC | 891464 | Whitefish, MT | $1.7M | 3 | 30.0% |
| #45 | Renee Gaugler | 400368 | Cornerstone Capital Bank, SSB | 2258 | Bozeman, MT | $1.6M | 7 | 58.3% |
| #46 | Brian Hafner | 1620055 | Lower, LLC | 1124061 | Billings, MT | $1.6M | 5 | 33.3% |
| #47 | Jessica Haynes | 1854887 | VALLEY FINANCIAL CREDIT UNION | 478488 | Billings, MT | $1.5M | 5 | 41.7% |
| #48 | Shannon O'Hare | 523508 | CrossCountry Mortgage, LLC | 3029 | Bozeman, MT | $1.5M | 4 | 25.0% |
| #49 | Damien Adams | 296108 | GUARDIAN MORTGAGE, INC | 296207 | Billings, MT | $1.5M | 5 | 26.3% |
| #50 | Cassidy Leary | 1637124 | Guild Mortgage Company LLC | 3274 | Butte, MT | $1.4M | 9 | 81.8% |
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 (2025). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/montana/top-retention-by-volume/2025
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