Retention champions in Maryland in 2024, 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 Tammy Saul (Federal Hill Mortgage Company, LLC, NMLS #175722), Eric Hedeman (Chesapeake Mortgage Solutions, Inc, NMLS #143895), and Armen Manokian (Go Rascal Inc., NMLS #1284162).
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 | Tammy Saul | 175722 | Federal Hill Mortgage Company, LLC | 176351 | Baltimore, MD | $22.1M | 50 | 61.7% |
| #2 | Eric Hedeman | 143895 | Chesapeake Mortgage Solutions, Inc | 186148 | Severna Park, MD | $8.2M | 22 | 95.7% |
| #3 | Armen Manokian | 1284162 | Go Rascal Inc. | 2072896 | Brooklyn, NY | $10.3M | 19 | 46.3% |
| #4 | James Adamson | 455833 | Ameris Bank | 408099 | Eldersburg, MD | $6.6M | 18 | 41.9% |
| #5 | Yingxin Xue | 1685953 | Manufacturers and Traders Trust Company | 381076 | Paoli, PA | $13.9M | 17 | 85.0% |
| #6 | Nadeem Bhatti | 189314 | Access Financial Mortgage Corp. | 1370402 | Fulton, MD | $6.5M | 16 | 64.0% |
| #6 | Samuel Rosenblatt | 75844 | DAS Acquisition Company, LLC | 227262 | Saint Michaels, MD | $7.0M | 16 | 36.4% |
| #6 | Brian Coyne | 512216 | First Financial of Maryland Federal Credit Union | 400001 | Sparks, MD | $1.8M | 16 | 41.0% |
| #9 | Kyndle Quinones | 156081 | NFM Lending, LLC | 2893 | Severna Park, MD | $8.2M | 15 | 46.9% |
| #9 | Jeffrey Senker | 134844 | Primary Residential Mortgage, Inc. | 3094 | Bel Air, MD | $5.2M | 15 | 38.5% |
| #9 | Robert Bateman | 130436 | First Financial of Maryland Federal Credit Union | 400001 | Sparks, MD | $1.4M | 15 | 51.7% |
| #12 | Bryan Raiford | 146582 | NFM Lending, LLC | 2893 | Bethesda, MD | $5.6M | 14 | 40.0% |
| #13 | Neil Kantor | 189643 | Rocket Mortgage, LLC | 3030 | Rockville, MD | $7.1M | 13 | 27.1% |
| #14 | Andrew Wagner | 1638034 | Churchill Mortgage Corporation | 1591 | Baltimore, MD | $5.3M | 12 | 31.6% |
| #14 | Lori Wilson-Naylor | 455912 | Ameris Bank | 408099 | Bowie, MD | $4.3M | 12 | 44.4% |
| #14 | James Gannon | 181267 | Guaranteed Rate, Inc. | 2611 | Columbia, MD | $7.0M | 12 | 44.4% |
| #14 | Kristy Grams | 302452 | PRESIDENTIAL BANK, FSB | 421593 | Frederick, MD | $6.3M | 12 | 44.4% |
| #14 | Amy Wolff | 149401 | Direct Mortgage Loans, LLC | 832799 | Frederick, MD | $2.5M | 12 | 31.6% |
| #14 | Brendan McKay | 554441 | McKay Mortgage Company, LLC | 1590323 | Bethesda, MD | $7.6M | 12 | 63.2% |
| #20 | Marian McCullough | 266202 | Ameris Bank | 408099 | Bowie, MD | $4.0M | 11 | 61.1% |
| #20 | Angela Tucciarella | 898059 | OpenDoor Financial Services Corporation | 2063838 | Darlington, MD | $3.4M | 11 | 61.1% |
| #22 | Hannah Katz | 2009527 | CrossCountry Mortgage, LLC | 3029 | Annapolis, MD | $4.1M | 10 | 58.8% |
| #22 | Michael Wiechert | 229100 | Hawk Mortgage Group, LLC | 1218967 | Fallston, MD | $4.2M | 10 | 83.3% |
| #22 | Richard Truax | 480897 | Manufacturers and Traders Trust Company | 381076 | Baltimore, MD | $2.6M | 10 | 83.3% |
| #22 | Wei Feng | 214408 | TopOne Mortgage, Inc. | 208532 | Rockville, MD | $5.3M | 10 | 90.9% |
| #22 | Aaron Matty | 1063170 | Primary Residential Mortgage, Inc. | 3094 | Towson, MD | $3.5M | 10 | 47.6% |
| #22 | joseph dubreuil | 207693 | Affordable Home Mortgage, Inc. | 122687 | Hanover, PA | $3.4M | 10 | 55.6% |
| #22 | Michael Fagan | 182530 | Guaranteed Rate Affinity, LLC | 1598647 | Ellicott City, MD | $5.3M | 10 | 33.3% |
| #22 | William Harper | 1246443 | STATE EMPLOYEES CREDIT UNION OF MARYLAND INC. | 458591 | Linthicum Heights, MD | $4.5M | 10 | 76.9% |
| #22 | Frederick Cole | 207740 | The Mortgage Option Inc | 2043198 | Washington, DC | $3.8M | 10 | 83.3% |
| #22 | Michael Bendebba | 483853 | Fairway Independent Mortgage Corporation | 2289 | La Plata, MD | $4.7M | 10 | 22.7% |
| #22 | Robert Edner | 188984 | Siwell, Inc. | 149169 | Pittsburgh, PA | $5.1M | 10 | 90.9% |
| #33 | Julio Cueto | 323645 | Mortgage One Solutions, Inc. | 115977 | McLean, VA | $3.7M | 9 | 45.0% |
| #33 | Brian Picker | 455882 | SWBC Mortgage Corporation | 9741 | Columbia, MD | $4.3M | 9 | 81.8% |
| #33 | JOSEPH NIOSI | 185812 | CrossCountry Mortgage, LLC | 3029 | Dunkirk, MD | $3.4M | 9 | 39.1% |
| #33 | Craig Kam | 146561 | NFM Lending, LLC | 2893 | Linthicum, MD | $4.0M | 9 | 24.3% |
| #33 | Larry McMillan | 223559 | Ameris Bank | 408099 | Eldersburg, MD | $2.1M | 9 | 22.0% |
| #33 | Jason Lerner | 448776 | First Home Mortgage Corporation | 71603 | Baltimore, MD | $3.5M | 9 | 28.1% |
| #33 | Geetesh Kapoor | 450777 | Fairway Independent Mortgage Corporation | 2289 | Ellicott City, MD | $5.3M | 9 | 64.3% |
| #33 | Chad Blevins | 202432 | Blevins Home Mortgage Inc. | 197530 | Darlington, MD | $2.4M | 9 | 52.9% |
| #33 | Todd Newell | 728239 | United Bank | 522399 | Bethesda, MD | $4.5M | 9 | 69.2% |
| #42 | Amy Goldstein | 184642 | BMIC Mortgage, Inc. | 177349 | Gaithersburg, MD | $5.9M | 8 | 72.7% |
| #42 | Paul Concannon | 455283 | WesBanco Bank, Inc. | 399836 | Towson, MD | $5.5M | 8 | 61.5% |
| #42 | Mehdi Pirzadeh | 189912 | Embrace Home Loans, Inc. | 2184 | Rockville, MD | $6.4M | 8 | 61.5% |
| #42 | Ernest Donaldson | 160865 | Universal Mortgage & Finance, Inc. | 118030 | Annapolis, MD | $2.5M | 8 | 38.1% |
| #42 | Jordan Kingsbury | 1095269 | Vellum Mortgage, Inc. | 1657323 | Annapolis, MD | $3.7M | 8 | 21.1% |
| #42 | Stephen Lovellette | 138633 | Mortgage One, LLC | 138171 | Bel Air, MD | $2.9M | 8 | 47.1% |
| #42 | Daniel Williamson | 134226 | Community Mortgage LLC | 104656 | Mount Airy, MD | $2.2M | 8 | 66.7% |
| #42 | Christopher Moylan | 304773 | First Pryority Bank | 1844483 | Pryor, OK | $3.4M | 8 | 47.1% |
| #42 | Malcolm Crane | 357810 | Fairway Independent Mortgage Corporation | 2289 | Towson, MD | $2.6M | 8 | 17.4% |
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 (2024). Powered by MMI public record mortgage production data, accessed July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/maryland/top-retention-by-units/2024
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