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 October 11, 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% |
| #3 | Tammy Saul | 175722 | Federal Hill Mortgage Company, LLC | 176351 | Baltimore, MD | $2.6M | 11 | 31.4% |
| #3 | Thomas Shea | 455897 | Ameris Bank | 408099 | — | $4.3M | 11 | 64.7% |
| #5 | Brian Coyne | 512216 | First Financial of Maryland Federal Credit Union | 400001 | Sparks, MD | $897K | 9 | 33.3% |
| #5 | Cheryl Jackson | 809976 | National Institutes of Health Federal Credit Union | 803678 | Rockville, MD | $550K | 9 | 64.3% |
| #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% |
| #7 | Michelle Kleinman | 1314586 | Point Breeze Credit Union | 406072 | Hunt Valley, MD | $338K | 7 | 63.6% |
| #10 | Robert Bateman | 130436 | First Financial of Maryland Federal Credit Union | 400001 | Sparks, MD | $505K | 6 | 30.0% |
| #10 | Daniel Fendelman | 738537 | Citibank, NA | 412915 | Washington, DC | $4.4M | 6 | 54.5% |
| #10 | John Fenrich | 177824 | Nationwide Mortgage Bankers, Inc. | 819382 | Melville, NY | $2.0M | 6 | 50.0% |
| #10 | Malcolm Crane | 357810 | Fairway Independent Mortgage Corporation | 2289 | Towson, MD | $2.5M | 6 | 24.0% |
| #10 | Christopher Hines | 75601 | Ameris Bank | 408099 | Eldersburg, MD | $2.4M | 6 | 50.0% |
| #10 | Deborah Meeder | 581409 | Manufacturers and Traders Trust Company | 381076 | Baltimore, MD | $1.4M | 6 | 50.0% |
| #16 | Andrew Wagner | 1638034 | Churchill Mortgage Corporation | 1591 | Baltimore, MD | $1.8M | 5 | 20.8% |
| #16 | Kristina Moradi | 1185735 | Primary Residential Mortgage, Inc. | 3094 | Baltimore, MD | $1.4M | 5 | 45.5% |
| #16 | Michael Schreibeis | 104373 | Truist Bank | 399803 | Hunt Valley, MD | $2.0M | 5 | 50.0% |
| #16 | Helio Souza | 13003 | America Trust Funding-Mortgage, Bankers LLC | 1522 | Rockville, MD | $1.4M | 5 | 35.7% |
| #16 | James Reed | 247693 | WesBanco Bank, Inc. | 399836 | Waldorf, MD | $1.4M | 5 | 20.8% |
| #16 | Jonathan Ritter | 210106 | Ritter Mortgage Group, Inc. | 1436890 | Westminster, MD | $793K | 5 | 50.0% |
| #16 | Latisha Whitworth | 1245358 | Aberdeen Proving Ground Federal Credit Union | 480340 | — | $574K | 5 | 18.5% |
| #16 | Chad Blevins | 202432 | Blevins Home Mortgage Inc. | 197530 | Darlington, MD | $1.4M | 5 | 29.4% |
| #16 | Bryan Raiford | 146582 | NFM Lending, LLC | 2893 | Bethesda, MD | $2.1M | 5 | 20.8% |
| #16 | Marian McCullough | 266202 | Manufacturers and Traders Trust Company | 381076 | Laurel, MD | $953K | 5 | 50.0% |
| #16 | Amy Wolff | 149401 | Direct Mortgage Loans, LLC | 832799 | Frederick, MD | $1.1M | 5 | 17.2% |
| #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 | 26.7% |
| #27 | Michael Cooper | 194507 | Meridian Bank | 462854 | Columbia, MD | $1.1M | 4 | 40.0% |
| #27 | Terri Tallman | 528188 | Aberdeen Proving Ground Federal Credit Union | 480340 | — | $488K | 4 | 17.4% |
| #27 | William Rickwood | 170353 | First Home Mortgage Corporation | 71603 | Hollywood, MD | $1.4M | 4 | 40.0% |
| #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% |
| #36 | Timothy Murphy | 170712 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | Waldorf, MD | $569K | 3 | 9.1% |
| #36 | William Williams | 206380 | First Washington Mortgage, LLC | 68479 | Washington, DC | $967K | 3 | 10.0% |
| #36 | Scott Berngartt | 409094 | Guild Mortgage Company LLC | 3274 | Columbia, MD | $902K | 3 | 16.7% |
| #36 | Yvette Cannon | 476443 | Movement Mortgage, LLC | 39179 | Salisbury, MD | $749K | 3 | 27.3% |
| #36 | Todd Dennis | 178583 | Primary Residential Mortgage, Inc. | 3094 | Bel Air, MD | $905K | 3 | 30.0% |
| #36 | Michelle White | 68987 | First National Bank of Pennsylvania | 766529 | Lutherville, MD | $1.4M | 3 | 27.3% |
| #36 | Pamela Vroman | 147606 | Direct Mortgage Loans, LLC | 832799 | Hunt Valley, MD | $683K | 3 | 14.3% |
| #36 | Samuel Rosenblatt | 75844 | DAS Acquisition Company, LLC | 227262 | Saint Michaels, MD | $1.2M | 3 | 11.5% |
| #36 | Richard Hennen | 662158 | CMG Mortgage, Inc. | 1820 | Annapolis, MD | $1.7M | 3 | 30.0% |
| #36 | Ryan Paquin | 187868 | First Home Mortgage Corporation | 71603 | Crofton, MD | $1.3M | 3 | 11.5% |
| #36 | Lisa Gaton-Rapena | 450539 | Lower, LLC | 1124061 | Columbia, MD | $946K | 3 | 25.0% |
| #36 | Neil Kantor | 189643 | Rocket Mortgage, LLC | 3030 | Rockville, MD | $1.3M | 3 | 10.7% |
| #36 | Kevin Jones | 946750 | Tower Federal Credit Union | 586147 | Laurel, MD | $138K | 3 | 17.6% |
| #36 | Joseph Phiefer | 1216019 | STATE EMPLOYEES CREDIT UNION OF MARYLAND INC. | 458591 | Linthicum, MD | $610K | 3 | 25.0% |
| #36 | Brian McDermott | 476349 | NFM Lending, LLC | 2893 | Timonium, MD | $911K | 3 | 25.0% |
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 October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/maryland/top-retention-by-units/2023
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