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 August 27, 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 | 70.9% |
| #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 | 64.7% |
| #5 | Cheryl Jackson | 809976 | National Institutes of Health Federal Credit Union | 803678 | Rockville, MD | $550K | 9 | 64.3% |
| #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 | Robert Bateman | 130436 | First Financial of Maryland Federal Credit Union | 400001 | Sparks, MD | $540K | 7 | 33.3% |
| #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% |
| #11 | Deborah Meeder | 581409 | Manufacturers and Traders Trust Company | 381076 | Baltimore, MD | $1.4M | 6 | 50.0% |
| #11 | Daniel Fendelman | 738537 | Citibank, NA | 412915 | Washington, DC | $4.4M | 6 | 54.5% |
| #11 | Malcolm Crane | 357810 | Fairway Independent Mortgage Corporation | 2289 | Towson, MD | $2.5M | 6 | 24.0% |
| #11 | John Fenrich | 177824 | Nationwide Mortgage Bankers, Inc. | 819382 | Melville, NY | $2.0M | 6 | 50.0% |
| #11 | Christopher Hines | 75601 | Ameris Bank | 408099 | Eldersburg, MD | $2.4M | 6 | 50.0% |
| #11 | Marian McCullough | 266202 | Manufacturers and Traders Trust Company | 381076 | Laurel, MD | $1.2M | 6 | 54.5% |
| #17 | Jonathan Ritter | 210106 | Ritter Mortgage Group, Inc. | 1436890 | Westminster, MD | $793K | 5 | 50.0% |
| #17 | Latisha Whitworth | 1245358 | Aberdeen Proving Ground Federal Credit Union | 480340 | — | $574K | 5 | 18.5% |
| #17 | Bryan Raiford | 146582 | NFM Lending, LLC | 2893 | Bethesda, MD | $2.1M | 5 | 21.7% |
| #17 | Chad Blevins | 202432 | Blevins Home Mortgage Inc. | 197530 | Darlington, MD | $1.4M | 5 | 29.4% |
| #17 | Kristina Moradi | 1185735 | Primary Residential Mortgage, Inc. | 3094 | Baltimore, MD | $1.4M | 5 | 45.5% |
| #17 | Michael Schreibeis | 104373 | Truist Bank | 399803 | Hunt Valley, MD | $2.0M | 5 | 50.0% |
| #17 | Amy Wolff | 149401 | Direct Mortgage Loans, LLC | 832799 | Frederick, MD | $1.1M | 5 | 17.2% |
| #17 | Andrew Wagner | 1638034 | Churchill Mortgage Corporation | 1591 | Baltimore, MD | $1.8M | 5 | 20.8% |
| #17 | James Reed | 247693 | WesBanco Bank, Inc. | 399836 | Waldorf, MD | $1.4M | 5 | 20.8% |
| #17 | Helio Souza | 13003 | FAIRWAY ASSET CORPORATION | 293044 | Rockville, MD | $1.4M | 5 | 35.7% |
| #27 | Tammi Printz | 455836 | First Home Mortgage Corporation | 71603 | Annapolis, MD | $864K | 4 | 14.8% |
| #27 | Carlos Martinez | 184510 | CrossCountry Mortgage, LLC | 3029 | Orlando, FL | $1.5M | 4 | 17.4% |
| #27 | Robert Small | 19029 | CMS Mortgage Solutions Inc. | 212405 | Virginia Beach, VA | $1.6M | 4 | 36.4% |
| #27 | Susan Valente | 185793 | STATE EMPLOYEES CREDIT UNION OF MARYLAND INC. | 458591 | Linthicum, MD | $1.4M | 4 | 28.6% |
| #27 | William Rickwood | 170353 | First Home Mortgage Corporation | 71603 | Hollywood, MD | $1.4M | 4 | 40.0% |
| #27 | James Moran | 142925 | First Home Mortgage Corporation | 71603 | Hollywood, MD | $1.6M | 4 | 25.0% |
| #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 | Charles Merrick | 415445 | Middletown Valley Bank | 742865 | Oakland, MD | $1.1M | 4 | 40.0% |
| #36 | Lisa Gaton-Rapena | 450539 | Lower, LLC | 1124061 | Columbia, MD | $946K | 3 | 25.0% |
| #36 | Samuel Kotzur | 1148351 | CMG Mortgage, Inc. | 1820 | Ocean City, MD | $800K | 3 | 30.0% |
| #36 | Shawn Hunt | 1098459 | CMG Mortgage, Inc. | 1820 | Salisbury, MD | $912K | 3 | 16.7% |
| #36 | Kevin Jones | 946750 | Tower Federal Credit Union | 586147 | Laurel, MD | $138K | 3 | 17.6% |
| #36 | Atul Gupta | 203528 | DMV Residential Financing LLC | 2612193 | Chantilly, VA | $2.3M | 3 | 25.0% |
| #36 | peter dellane | 192557 | Ability Mortgage Group, LLC | 192444 | — | $947K | 3 | 27.3% |
| #36 | Ricardo Guido | 1249316 | Embrace Home Loans, Inc. | 2184 | Rockville, MD | $1.3M | 3 | 23.1% |
| #36 | Joseph Phiefer | 1216019 | STATE EMPLOYEES CREDIT UNION OF MARYLAND INC. | 458591 | Linthicum, MD | $610K | 3 | 25.0% |
| #36 | Todd Dennis | 178583 | Primary Residential Mortgage, Inc. | 3094 | Bel Air, MD | $905K | 3 | 30.0% |
| #36 | Maurice Heckscher | 1120368 | Embrace Home Loans, Inc. | 2184 | Delmar, DE | $617K | 3 | 27.3% |
| #36 | Jordan Kingsbury | 1095269 | Vellum Mortgage, Inc. | 1657323 | Annapolis, MD | $1.1M | 3 | 16.7% |
| #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 | Yvette Cannon | 476443 | Movement Mortgage, LLC | 39179 | Salisbury, MD | $749K | 3 | 27.3% |
| #36 | Michael Bendebba | 483853 | Fairway Independent Mortgage Corporation | 2289 | La Plata, MD | $1.3M | 3 | 8.1% |
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 August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/maryland/top-retention-by-units/2023
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