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 May 28, 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 | Samuel Rosenblatt | 75844 | DAS Acquisition Company, LLC | 227262 | Saint Michaels, MD | $7.0M | 16 | 37.2% |
| #6 | Nadeem Bhatti | 189314 | Access Financial Mortgage Corp. | 1370402 | Fulton, MD | $6.5M | 16 | 64.0% |
| #6 | Brian Coyne | 512216 | First Financial of Maryland Federal Credit Union | 400001 | Sparks, MD | $1.8M | 16 | 40.0% |
| #9 | Kyndle Quinones | 156081 | NFM Lending, LLC | 2893 | Severna Park, MD | $8.2M | 15 | 46.9% |
| #10 | Bryan Raiford | 146582 | NFM Lending, LLC | 2893 | Bethesda, MD | $5.6M | 14 | 40.0% |
| #10 | Robert Bateman | 130436 | First Financial of Maryland Federal Credit Union | 400001 | Sparks, MD | $1.2M | 14 | 50.0% |
| #10 | Jeffrey Senker | 134844 | Primary Residential Mortgage, Inc. | 3094 | Bel Air, MD | $4.7M | 14 | 37.8% |
| #13 | Neil Kantor | 189643 | Rocket Mortgage, LLC | 3030 | Rockville, MD | $7.1M | 13 | 27.1% |
| #14 | Kristy Grams | 302452 | PRESIDENTIAL BANK, FSB | 421593 | Frederick, MD | $6.3M | 12 | 44.4% |
| #14 | James Gannon | 181267 | Guaranteed Rate, Inc. | 2611 | Columbia, MD | $7.0M | 12 | 44.4% |
| #14 | Lori Wilson-Naylor | 455912 | Ameris Bank | 408099 | Bowie, MD | $4.3M | 12 | 44.4% |
| #14 | Brendan McKay | 554441 | McKay Mortgage Company, LLC | 1590323 | Bethesda, MD | $7.6M | 12 | 63.2% |
| #14 | Amy Wolff | 149401 | Direct Mortgage Loans, LLC | 832799 | Frederick, MD | $2.5M | 12 | 31.6% |
| #14 | Andrew Wagner | 1638034 | Churchill Mortgage Corporation | 1591 | Baltimore, MD | $5.3M | 12 | 31.6% |
| #20 | Marian McCullough | 266202 | Ameris Bank | 408099 | Bowie, MD | $4.0M | 11 | 61.1% |
| #21 | joseph dubreuil | 207693 | Affordable Home Mortgage, Inc. | 122687 | Hanover, PA | $3.4M | 10 | 55.6% |
| #21 | Michael Wiechert | 229100 | Hawk Mortgage Group, LLC | 1218967 | Fallston, MD | $4.2M | 10 | 83.3% |
| #21 | Frederick Cole | 207740 | The Mortgage Option Inc | 2043198 | Washington, DC | $3.8M | 10 | 83.3% |
| #21 | Richard Truax | 480897 | Manufacturers and Traders Trust Company | 381076 | Baltimore, MD | $2.6M | 10 | 83.3% |
| #21 | Robert Edner | 188984 | Federated Mortgage Corp. | 101475 | Pittsburgh, PA | $5.1M | 10 | 90.9% |
| #21 | Wei Feng | 214408 | TopOne Mortgage, Inc. | 208532 | Rockville, MD | $5.3M | 10 | 90.9% |
| #21 | Hannah Katz | 2009527 | CrossCountry Mortgage, LLC | 3029 | Annapolis, MD | $4.1M | 10 | 58.8% |
| #21 | Aaron Matty | 1063170 | Primary Residential Mortgage, Inc. | 3094 | Towson, MD | $3.5M | 10 | 50.0% |
| #21 | Michael Fagan | 182530 | Guaranteed Rate Affinity, LLC | 1598647 | Ellicott City, MD | $5.3M | 10 | 33.3% |
| #21 | Michael Bendebba | 483853 | Fairway Independent Mortgage Corporation | 2289 | La Plata, MD | $4.7M | 10 | 23.3% |
| #21 | Angela Tucciarella | 898059 | OpenDoor Financial Services Corporation | 2063838 | Darlington, MD | $3.1M | 10 | 58.8% |
| #32 | Craig Kam | 146561 | NFM Lending, LLC | 2893 | Linthicum, MD | $4.0M | 9 | 24.3% |
| #32 | Geetesh Kapoor | 450777 | Fairway Independent Mortgage Corporation | 2289 | Ellicott City, MD | $5.3M | 9 | 69.2% |
| #32 | Todd Newell | 728239 | United Bank | 522399 | Bethesda, MD | $4.5M | 9 | 69.2% |
| #32 | William Harper | 1246443 | STATE EMPLOYEES CREDIT UNION OF MARYLAND INC. | 458591 | Linthicum Heights, MD | $3.9M | 9 | 75.0% |
| #32 | JOSEPH NIOSI | 185812 | CrossCountry Mortgage, LLC | 3029 | Dunkirk, MD | $3.4M | 9 | 39.1% |
| #32 | Jason Lerner | 448776 | First Home Mortgage Corporation | 71603 | Baltimore, MD | $3.5M | 9 | 30.0% |
| #32 | Brian Picker | 455882 | SWBC Mortgage Corporation | 9741 | Columbia, MD | $4.3M | 9 | 81.8% |
| #32 | Larry McMillan | 223559 | Ameris Bank | 408099 | Eldersburg, MD | $2.1M | 9 | 22.0% |
| #32 | Chad Blevins | 202432 | Blevins Home Mortgage Inc. | 197530 | Darlington, MD | $2.4M | 9 | 52.9% |
| #32 | Julio Cueto | 323645 | Mortgage One Solutions, Inc. | 115977 | McLean, VA | $3.7M | 9 | 45.0% |
| #42 | Terrie Klinken | 172821 | Ameris Bank | 408099 | Eldersburg, MD | $4.1M | 8 | 80.0% |
| #42 | Kelly Martin | 1147665 | Aberdeen Proving Ground Federal Credit Union | 480340 | Bel Air, MD | $825K | 8 | 23.5% |
| #42 | Jessica Enfinger | 513123 | CrossCountry Mortgage, LLC | 3029 | Columbia, MD | $3.3M | 8 | 40.0% |
| #42 | Mehdi Pirzadeh | 189912 | Embrace Home Loans, Inc. | 2184 | Rockville, MD | $6.4M | 8 | 61.5% |
| #42 | Christopher Moylan | 304773 | First Pryority Bank | 1844483 | Pryor, OK | $3.4M | 8 | 47.1% |
| #42 | Paul Concannon | 455283 | WesBanco Bank, Inc. | 399836 | Towson, MD | $5.5M | 8 | 61.5% |
| #42 | Malcolm Crane | 357810 | Fairway Independent Mortgage Corporation | 2289 | Towson, MD | $2.6M | 8 | 17.8% |
| #42 | Terri Tallman | 528188 | Aberdeen Proving Ground Federal Credit Union | 480340 | — | $1.6M | 8 | 25.8% |
| #42 | Ayazhussein Rahemanji | 457664 | First Home Mortgage Corporation | 71603 | Baltimore, MD | $3.5M | 8 | 47.1% |
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 (2024). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/maryland/top-retention-by-units/2024
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