Retention champions in Montana this year, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of May 18, 2026, the top 3 include Sara Koelzer (Guaranteed Rate, Inc., NMLS #400361), Christine Farrington (Edge Home Finance, LLC, NMLS #193640), and Emily Martello (CrossCountry Mortgage, LLC, NMLS #812363).
Updated · Mortgage origination data has varying lag based on county public recording speeds.
| Rank | Loan officer | LO NMLS | Lender / Broker | Lender NMLS | Location | Retained Volume | Retained Loans | Retention Rate |
|---|---|---|---|---|---|---|---|---|
| #1 | Sara Koelzer | 400361 | Guaranteed Rate, Inc. | 2611 | Bozeman, MT | $13.3M | 19 | 70.4% |
| #2 | Christine Farrington | 193640 | Edge Home Finance, LLC | 891464 | Las Vegas, NV | $5.8M | 13 | 52.0% |
| #3 | Emily Martello | 812363 | CrossCountry Mortgage, LLC | 3029 | Missoula, MT | $5.7M | 12 | 92.3% |
| #4 | Roderick Leese | 409622 | TrailWest Bank | 677399 | Kalispell, MT | $6.0M | 10 | 71.4% |
| #4 | Robert Vallance | 487547 | Opportunity Bank of Montana | 412554 | Missoula, MT | $4.3M | 10 | 62.5% |
| #4 | Shannon O'Hare | 523508 | CrossCountry Mortgage, LLC | 3029 | Bozeman, MT | $4.8M | 10 | 83.3% |
| #7 | Adelina Hanson | 1941846 | Flathead Valley Mortgage LLC | 2258019 | Columbia Falls, MT | $4.7M | 9 | 69.2% |
| #8 | Julie Lapham | 292964 | Everett Financial, Inc. | 2129 | Missoula, MT | $3.2M | 8 | 36.4% |
| #9 | Edward Nissen | 263692 | CrossCountry Mortgage, LLC | 3029 | Whitefish, MT | $3.8M | 7 | 53.8% |
| #9 | Crystal Eckerson | 400351 | Evergreen Moneysource Mortgage Company | 3182 | Helena, MT | $3.1M | 7 | 41.2% |
| #11 | Lisa Pickens | 613976 | Glacier Bank | 472212 | Helena, MT | $2.3M | 6 | 50.0% |
| #11 | Bryon Smith | 259031 | Bryon Smith Mortgage LLC | 259426 | Missoula, MT | $2.6M | 6 | 37.5% |
| #11 | Myles Link | 253904 | Opportunity Bank of Montana | 412554 | Missoula, MT | $2.6M | 6 | 60.0% |
| #11 | Caroline Roy | 271203 | GoPrime Mortgage, Inc. | 69551 | Bozeman, MT | $2.6M | 6 | 42.9% |
| #15 | Michael Banks | 404629 | Opportunity Bank of Montana | 412554 | Great Falls, MT | $1.4M | 5 | 41.7% |
| #15 | Casey Moen | 1733091 | Stockman Bank of Montana | 440094 | Great Falls, MT | $1.9M | 5 | 45.5% |
| #15 | Stephen Cooney | 487376 | PrimeLending, A PlainsCapital Company | 13649 | Missoula, MT | $2.0M | 5 | 35.7% |
| #15 | John Baldridge | 1942991 | Prosperity Home Mortgage, LLC | 75164 | Newport Beach, CA | $2.3M | 5 | 35.7% |
| #19 | Colleen Wood | 1118454 | Wood Team Home Mortgage LLC | 2535756 | Red Lodge, MT | $1.8M | 4 | 33.3% |
| #19 | Emma Penna | 2053766 | Great Western Home Loans, Inc. | 1829215 | Bozeman, MT | $1.2M | 4 | 40.0% |
| #19 | Lindsay Kinniburgh | 339406 | Edge Home Finance, LLC | 891464 | Kalispell, MT | $1.9M | 4 | 28.6% |
| #22 | Lindsay Lee | 1002501 | MONTANA FEDERAL CREDIT UNION | 466184 | Great Falls, MT | $250K | 3 | 25.0% |
| #23 | Scott Lucier | 1637174 | loanDepot.com, LLC | 174457 | Boise, ID | $933K | 2 | 18.2% |
| #23 | Kelly Duray | 716674 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $786K | 2 | 13.3% |
| #23 | Deborah Sokoloski | 716649 | Evergreen Moneysource Mortgage Company | 3182 | Billings, MT | $422K | 2 | 18.2% |
| #26 | Corey Hill | 747559 | Premier Mortgage Resources, L.L.C. | 1169 | Helena, MT | $613K | 1 | 10.0% |
| #26 | Jason Edmister | 523487 | Stockman Bank of Montana | 440094 | Great Falls, MT | $509K | 1 | 10.0% |
| #26 | Sherrie Kitto | 501919 | CMG Mortgage, Inc. | 1820 | Bozeman, MT | $367K | 1 | 9.1% |