Retention champions in Maryland in 2023, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of May 28, 2026, the top 3 include James Adamson (Ameris Bank, NMLS #455833), Lori Wilson-Naylor (Ameris Bank, NMLS #455912), and Tammy Saul (Federal Hill Mortgage Company, LLC, NMLS #175722).
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 | James Adamson | 455833 | Ameris Bank | 408099 | Eldersburg, MD | $13.6M | 39 | 72.2% |
| #2 | Lori Wilson-Naylor | 455912 | Ameris Bank | 408099 | Bowie, MD | $3.9M | 12 | 52.2% |
| #2 | Tammy Saul | 175722 | Federal Hill Mortgage Company, LLC | 176351 | Baltimore, MD | $2.9M | 12 | 32.4% |
| #4 | Thomas Shea | 455897 | Ameris Bank | 408099 | — | $4.3M | 11 | 68.8% |
| #5 | Cheryl Jackson | 809976 | National Institutes of Health Federal Credit Union | 803678 | Rockville, MD | $550K | 9 | 69.2% |
| #5 | Brian Coyne | 512216 | First Financial of Maryland Federal Credit Union | 400001 | Sparks, MD | $897K | 9 | 33.3% |
| #7 | Michelle Kleinman | 1314586 | Point Breeze Credit Union | 406072 | Hunt Valley, MD | $338K | 7 | 63.6% |
| #7 | Kelly Martin | 1147665 | Aberdeen Proving Ground Federal Credit Union | 480340 | Bel Air, MD | $715K | 7 | 30.4% |
| #7 | Maria Idler Yepez | 461969 | Prosperity Home Mortgage, LLC | 75164 | Bethesda, MD | $2.6M | 7 | 70.0% |
| #10 | Daniel Fendelman | 738537 | Citibank, NA | 412915 | Washington, DC | $4.4M | 6 | 54.5% |
| #10 | Christopher Hines | 75601 | Ameris Bank | 408099 | Eldersburg, MD | $2.4M | 6 | 50.0% |
| #10 | Malcolm Crane | 357810 | Fairway Independent Mortgage Corporation | 2289 | Towson, MD | $2.5M | 6 | 24.0% |
| #10 | Marian McCullough | 266202 | Ameris Bank | 408099 | Bowie, MD | $1.2M | 6 | 54.5% |
| #10 | Deborah Meeder | 581409 | Manufacturers and Traders Trust Company | 381076 | Baltimore, MD | $1.4M | 6 | 50.0% |
| #10 | Robert Bateman | 130436 | First Financial of Maryland Federal Credit Union | 400001 | Sparks, MD | $505K | 6 | 30.0% |
| #10 | John Fenrich | 177824 | Nationwide Mortgage Bankers, Inc. | 819382 | Melville, NY | $2.0M | 6 | 50.0% |
| #17 | Chad Blevins | 202432 | Blevins Home Mortgage Inc. | 197530 | Darlington, MD | $1.4M | 5 | 29.4% |
| #17 | Amy Wolff | 149401 | Direct Mortgage Loans, LLC | 832799 | Frederick, MD | $1.1M | 5 | 17.2% |
| #17 | Michael Schreibeis | 104373 | Truist Bank | 399803 | Hunt Valley, MD | $2.0M | 5 | 50.0% |
| #17 | Jonathan Ritter | 210106 | Ritter Mortgage Group, Inc. | 1436890 | Westminster, MD | $793K | 5 | 50.0% |
| #17 | James Reed | 247693 | WesBanco Bank, Inc. | 399836 | Waldorf, MD | $1.4M | 5 | 20.8% |
| #17 | Bryan Raiford | 146582 | NFM Lending, LLC | 2893 | Bethesda, MD | $2.1M | 5 | 21.7% |
| #17 | Latisha Whitworth | 1245358 | Aberdeen Proving Ground Federal Credit Union | 480340 | — | $574K | 5 | 19.2% |
| #17 | Kristina Moradi | 1185735 | Primary Residential Mortgage, Inc. | 3094 | Baltimore, MD | $1.4M | 5 | 45.5% |
| #17 | Andrew Wagner | 1638034 | Churchill Mortgage Corporation | 1591 | Baltimore, MD | $1.8M | 5 | 20.8% |
| #17 | Helio Souza | 13003 | FAIRWAY ASSET CORPORATION | 293044 | Rockville, MD | $1.4M | 5 | 35.7% |
| #27 | Terri Tallman | 528188 | Aberdeen Proving Ground Federal Credit Union | 480340 | — | $488K | 4 | 17.4% |
| #27 | Charles Merrick | 415445 | Middletown Valley Bank | 742865 | Oakland, MD | $1.1M | 4 | 40.0% |
| #27 | Susan Valente | 185793 | STATE EMPLOYEES CREDIT UNION OF MARYLAND INC. | 458591 | Linthicum, MD | $1.4M | 4 | 28.6% |
| #27 | Carlos Martinez | 184510 | CrossCountry Mortgage, LLC | 3029 | Orlando, FL | $1.5M | 4 | 18.2% |
| #27 | Michael Cooper | 194507 | Meridian Bank | 462854 | Columbia, MD | $1.1M | 4 | 40.0% |
| #27 | William Rickwood | 170353 | First Home Mortgage Corporation | 71603 | Hollywood, MD | $1.4M | 4 | 40.0% |
| #27 | Tammi Printz | 455836 | First Home Mortgage Corporation | 71603 | Annapolis, MD | $864K | 4 | 14.8% |
| #27 | Robert Small | 19029 | CMS Mortgage Solutions Inc. | 212405 | Virginia Beach, VA | $1.6M | 4 | 36.4% |
| #27 | James Moran | 142925 | First Home Mortgage Corporation | 71603 | Hollywood, MD | $1.6M | 4 | 25.0% |
| #36 | Samuel Kotzur | 1148351 | CMG Mortgage, Inc. | 1820 | Ocean City, MD | $800K | 3 | 30.0% |
| #36 | Maurice Heckscher | 1120368 | Embrace Home Loans, Inc. | 2184 | Delmar, DE | $617K | 3 | 27.3% |
| #36 | Samuel Rosenblatt | 75844 | DAS Acquisition Company, LLC | 227262 | Saint Michaels, MD | $1.2M | 3 | 11.5% |
| #36 | Atul Gupta | 203528 | DMV Residential Financing LLC | 2612193 | Chantilly, VA | $2.3M | 3 | 25.0% |
| #36 | Yvette Cannon | 476443 | Movement Mortgage, LLC | 39179 | Salisbury, MD | $749K | 3 | 27.3% |
| #36 | Lisa Gaton-Rapena | 450539 | Lower, LLC | 1124061 | Columbia, MD | $946K | 3 | 25.0% |
| #36 | Jordan Kingsbury | 1095269 | Vellum Mortgage, Inc. | 1657323 | Annapolis, MD | $1.1M | 3 | 16.7% |
| #36 | Timothy Murphy | 170712 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | Waldorf, MD | $569K | 3 | 9.1% |
| #36 | Richard Hennen | 662158 | CMG Mortgage, Inc. | 1820 | Annapolis, MD | $1.7M | 3 | 30.0% |
| #36 | Ricardo Guido | 1249316 | Embrace Home Loans, Inc. | 2184 | Rockville, MD | $1.3M | 3 | 23.1% |
| #36 | Ryan Paquin | 187868 | First Home Mortgage Corporation | 71603 | Crofton, MD | $1.3M | 3 | 11.5% |
| #36 | Michael Bendebba | 483853 | Fairway Independent Mortgage Corporation | 2289 | La Plata, MD | $1.3M | 3 | 8.3% |
| #36 | Brian McDermott | 476349 | NFM Lending, LLC | 2893 | Timonium, MD | $911K | 3 | 25.0% |
| #36 | peter dellane | 192557 | Ability Mortgage Group, LLC | 192444 | — | $947K | 3 | 27.3% |
| #36 | Shawn Hunt | 1098459 | CMG Mortgage, Inc. | 1820 | Salisbury, MD | $912K | 3 | 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 Loan Count — Maryland (2023). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/maryland/top-retention-by-units/2023
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