Retention champions in Florida 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 John Digges (NQM Funding, LLC, NMLS #132107), Tyler Bahnsen (CMG Mortgage, Inc., NMLS #362852), and Jane Floyd (NFM Lending, LLC, NMLS #327235).
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 | John Digges | 132107 | NQM Funding, LLC | 75597 | Delray Beach, FL | $13.4M | 10 | 52.6% |
| #2 | Tyler Bahnsen | 362852 | CMG Mortgage, Inc. | 1820 | Miami, FL | $13.2M | 12 | 34.3% |
| #3 | Jane Floyd | 327235 | NFM Lending, LLC | 2893 | Tampa, FL | $11.9M | 24 | 30.0% |
| #4 | ELIZABETH CASSIDY | 1902671 | Edge Home Finance, LLC | 891464 | Palm Bay, FL | $11.8M | 23 | 35.4% |
| #5 | Sandra Mina | 410161 | Banco do Brasil Americas | 796975 | Miami, FL | $11.5M | 3 | 23.1% |
| #6 | Martin Medve | 86840 | Trident Home Loans, LLC | 65716 | Pensacola, FL | $10.5M | 10 | 37.0% |
| #7 | Michael Mizrahi | 188831 | CrossCountry Mortgage, LLC | 3029 | Delray Beach, FL | $9.8M | 10 | 58.8% |
| #8 | Ruth Macellari | 40057 | Home1st Lending, LLC | 1418 | Naples, FL | $9.6M | 6 | 35.3% |
| #9 | Suzanne Downs-Buono | 289859 | Palm Beach Mortgage Group, Inc. | 373094 | West Palm Beach, FL | $9.6M | 6 | 23.1% |
| #10 | Xavier Perez | 375096 | Lending Spot LLC | 2463121 | Pinecrest, FL | $9.5M | 13 | 68.4% |
| #11 | Lauren Maxwell | 331415 | CrossCountry Mortgage, LLC | 3029 | Naples, FL | $9.4M | 29 | 22.3% |
| #12 | Adam Chwala | 382141 | American Fidelity Financial Solutions Inc | 1027328 | Odessa, FL | $9.2M | 15 | 55.6% |
| #13 | Robert Riggio | 202423 | Global One Mortgage, Inc. | 1999869 | Tampa, FL | $8.6M | 7 | 70.0% |
| #14 | Matthew Weaver | 175651 | CrossCountry Mortgage, LLC | 3029 | Boca Raton, FL | $8.0M | 23 | 13.1% |
| #15 | Melinda Payan | 331861 | The Truth About Lending LLC | 1054357 | Davie, FL | $8.0M | 16 | 69.6% |
| #16 | ELIZABETH SKIPPER | 2000927 | COMMUNITY SOUTH CREDIT UNION | 451247 | Chipley, FL | $7.9M | 26 | 65.0% |
| #17 | NEDRA NASH | 437845 | Ameris Bank | 408099 | Saint Augustine, FL | $7.4M | 7 | 24.1% |
| #18 | Marvin Mitchell | 528629 | Climate First Bank | 2169275 | Winter Park, FL | $7.4M | 5 | 45.5% |
| #19 | Sean Stephens | 185288 | Metroplex Mortgage Services, Inc. | 185264 | Sebring, FL | $7.3M | 27 | 39.1% |
| #20 | Justin Margolis | 1015413 | Paramount Residential Mortgage Group, Inc. | 75243 | Davie, FL | $7.3M | 12 | 57.1% |
| #21 | Ashley Bedford | 1278530 | APPLI, LLC | 2245566 | Orlando, FL | $7.2M | 16 | 39.0% |
| #22 | Joseph Nowacki | 906100 | Guaranteed Rate, Inc. | 2611 | St Petersburg, FL | $7.0M | 14 | 70.0% |
| #23 | Michael Kammet | 42143 | Deco Mortgage, LLC. | 2561451 | Boca Raton, FL | $7.0M | 13 | 76.5% |
| #24 | Jonathan Kulak | 1403506 | Trident Home Loans, LLC | 65716 | Pensacola, FL | $6.7M | 11 | 52.4% |
| #25 | Timothy Finn | 187322 | Future Financial LLC | 1621953 | Jacksonville Beach, FL | $6.3M | 15 | 65.2% |
| #26 | Yves Cham | 1594617 | American Dream Lending LLC | 2370060 | Miami, FL | $6.2M | 6 | 60.0% |
| #27 | Emmanuel St. Germain | 327176 | Builders Choice Mortgage LLC | 2275047 | Boca Raton, FL | $6.1M | 8 | 25.8% |
| #28 | David Wright | 412536 | Sanibel Captiva Community Bank | 411904 | Sanibel, FL | $6.1M | 4 | 30.8% |
| #29 | Michael Dallal | 1176652 | MORTGAGE BANK OF CALIFORNIA, INC. | 38232 | Boca Raton, FL | $6.1M | 3 | 23.1% |
| #30 | Francisco Figueroa | 378989 | Regions Bank | 174490 | Coral Gables, FL | $6.0M | 6 | 35.3% |
| #31 | Joshua Ulmer | 217794 | CrossCountry Mortgage, LLC | 3029 | Tequesta, FL | $5.8M | 12 | 36.4% |
| #32 | Richard Brandt | 1628559 | Northpointe Bank | 447490 | Grand Rapids, MI | $5.7M | 4 | 25.0% |
| #33 | Judy Zucker | 1035126 | FM Home Loans, LLC | 2212 | Hollywood, FL | $5.7M | 4 | 36.4% |
| #34 | Julio Silva | 31721 | CrossCountry Mortgage, LLC | 3029 | Deerfield Beach, FL | $5.7M | 11 | 36.7% |
| #35 | Junior Simmonds | 224612 | Enterprise Mortgage Group LLC | 2507107 | Orlando, FL | $5.7M | 12 | 75.0% |
| #36 | Stephen Blood | 42160 | T2 Financial LLC | 1686046 | Miramar Beach, FL | $5.6M | 11 | 64.7% |
| #37 | Ryan Brandenburger | 358278 | CrossCountry Mortgage, LLC | 3029 | Boynton Beach, FL | $5.6M | 8 | 25.0% |
| #38 | Salvador Reynaldo | 292273 | Greyson Capital, LLC | 1119224 | West Palm Beach, FL | $5.6M | 7 | 31.8% |
| #39 | Chad Hauseman | 26521 | First Down Mortgage LLC | 1920842 | Jacksonville Beach, FL | $5.4M | 9 | 39.1% |
| #40 | Daniel Krispinsky | 422448 | Lake Michigan Credit Union | 442967 | Fort Myers, FL | $5.4M | 7 | 50.0% |
| #41 | BRIAN ZIMEL | 336790 | Alkan Mortgage Corporation | 210950 | Lake Mary, FL | $5.4M | 13 | 40.6% |
| #42 | Payman Tabib | 372175 | Prime Time Mortgage Inc. | 372178 | Weston, FL | $5.3M | 6 | 37.5% |
| #43 | Kevin Danowitz | 924478 | HP Mortgage, LLC | 1456273 | Delray Beach, FL | $5.3M | 6 | 46.2% |
| #44 | Toni Raulerson | 380055 | Plant City Mortgage Corporation | 289323 | Plant City, FL | $5.2M | 17 | 28.8% |
| #45 | Mark Spence | 331535 | Integrity Financial Services of Tampa Bay, Inc. | 327908 | Largo, FL | $5.1M | 7 | 33.3% |
| #46 | Gilbert Bennett | 1177528 | My Easy Mortgage, LLC | 1268485 | Wesley Chapel, FL | $5.0M | 11 | 47.8% |
| #47 | Amy Harvell | 1752706 | CrossCountry Mortgage, LLC | 3029 | Crestview, FL | $5.0M | 12 | 16.4% |
| #48 | Ryan Paton | 335738 | Capitol Lending Group Inc | 336081 | Coconut Creek, FL | $4.9M | 9 | 56.3% |
| #49 | Barry Schutt | 342876 | Movement Mortgage, LLC | 39179 | Niceville, FL | $4.9M | 9 | 32.1% |
| #50 | Emily Ziegler | 363779 | Ameridream Funding Group Inc | 1305118 | Pompano Beach, FL | $4.9M | 8 | 66.7% |
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 — Florida (2025). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/florida/top-retention-by-volume/2025
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