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 July 13, 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 | 33.3% |
| #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 | Kelly Martin | 1147665 | Aberdeen Proving Ground Federal Credit Union | 480340 | Bel Air, MD | $715K | 7 | 30.4% |
| #7 | Michelle Kleinman | 1314586 | Point Breeze Credit Union | 406072 | Hunt Valley, MD | $338K | 7 | 63.6% |
| #7 | Maria Idler Yepez | 461969 | Prosperity Home Mortgage, LLC | 75164 | Bethesda, MD | $2.6M | 7 | 70.0% |
| #10 | John Fenrich | 177824 | Nationwide Mortgage Bankers, Inc. | 819382 | Melville, NY | $2.0M | 6 | 50.0% |
| #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 | 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% |
| #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 | 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 | Bryan Raiford | 146582 | NFM Lending, LLC | 2893 | Bethesda, MD | $2.1M | 5 | 21.7% |
| #17 | Helio Souza | 13003 | FAIRWAY ASSET CORPORATION | 293044 | Rockville, MD | $1.4M | 5 | 35.7% |
| #17 | Chad Blevins | 202432 | Blevins Home Mortgage Inc. | 197530 | Darlington, MD | $1.4M | 5 | 29.4% |
| #17 | James Reed | 247693 | WesBanco Bank, Inc. | 399836 | Waldorf, MD | $1.4M | 5 | 20.8% |
| #17 | Latisha Whitworth | 1245358 | Aberdeen Proving Ground Federal Credit Union | 480340 | — | $574K | 5 | 18.5% |
| #17 | Jonathan Ritter | 210106 | Ritter Mortgage Group, Inc. | 1436890 | Westminster, MD | $793K | 5 | 50.0% |
| #27 | Robert Small | 19029 | CMS Mortgage Solutions Inc. | 212405 | Virginia Beach, VA | $1.6M | 4 | 36.4% |
| #27 | Carlos Martinez | 184510 | CrossCountry Mortgage, LLC | 3029 | Orlando, FL | $1.5M | 4 | 18.2% |
| #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 | Tammi Printz | 455836 | First Home Mortgage Corporation | 71603 | Annapolis, MD | $864K | 4 | 14.8% |
| #27 | William Rickwood | 170353 | First Home Mortgage Corporation | 71603 | Hollywood, MD | $1.4M | 4 | 40.0% |
| #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 | James Moran | 142925 | First Home Mortgage Corporation | 71603 | Hollywood, MD | $1.6M | 4 | 26.7% |
| #36 | Joseph Phiefer | 1216019 | STATE EMPLOYEES CREDIT UNION OF MARYLAND INC. | 458591 | Linthicum, MD | $610K | 3 | 25.0% |
| #36 | Michelle White | 68987 | First National Bank of Pennsylvania | 766529 | Lutherville, MD | $1.4M | 3 | 27.3% |
| #36 | Kevin Jones | 946750 | Tower Federal Credit Union | 586147 | Laurel, MD | $138K | 3 | 17.6% |
| #36 | Todd Dennis | 178583 | Primary Residential Mortgage, Inc. | 3094 | Bel Air, MD | $905K | 3 | 30.0% |
| #36 | Shawn Hunt | 1098459 | CMG Mortgage, Inc. | 1820 | Salisbury, MD | $912K | 3 | 16.7% |
| #36 | Michael Bendebba | 483853 | Fairway Independent Mortgage Corporation | 2289 | La Plata, MD | $1.3M | 3 | 8.1% |
| #36 | Ryan Paquin | 187868 | First Home Mortgage Corporation | 71603 | Crofton, MD | $1.3M | 3 | 11.5% |
| #36 | Scott Berngartt | 409094 | Guild Mortgage Company LLC | 3274 | Columbia, MD | $902K | 3 | 16.7% |
| #36 | Timothy Murphy | 170712 | American Neighborhood Mortgage Acceptance Company LLC | 338923 | Waldorf, MD | $569K | 3 | 8.8% |
| #36 | Neil Kantor | 189643 | Rocket Mortgage, LLC | 3030 | Rockville, MD | $1.3M | 3 | 10.7% |
| #36 | peter dellane | 192557 | Ability Mortgage Group, LLC | 192444 | — | $947K | 3 | 27.3% |
| #36 | Brian McDermott | 476349 | NFM Lending, LLC | 2893 | Timonium, MD | $911K | 3 | 25.0% |
| #36 | Pamela Vroman | 147606 | Direct Mortgage Loans, LLC | 832799 | Hunt Valley, MD | $683K | 3 | 14.3% |
| #36 | William Williams | 206380 | First Washington Mortgage, LLC | 68479 | Washington, DC | $967K | 3 | 10.0% |
| #36 | Yvette Cannon | 476443 | Movement Mortgage, LLC | 39179 | Salisbury, MD | $749K | 3 | 27.3% |
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 July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/maryland/top-retention-by-units/2023
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