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 August 27, 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 | Brian Coyne | 512216 | First Financial of Maryland Federal Credit Union | 400001 | Sparks, MD | $1.8M | 16 | 41.0% |
| #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% |
| #9 | Kyndle Quinones | 156081 | NFM Lending, LLC | 2893 | Severna Park, MD | $8.2M | 15 | 46.9% |
| #9 | Robert Bateman | 130436 | First Financial of Maryland Federal Credit Union | 400001 | Sparks, MD | $1.4M | 15 | 50.0% |
| #11 | Jeffrey Senker | 134844 | Primary Residential Mortgage, Inc. | 3094 | Bel Air, MD | $4.7M | 14 | 36.8% |
| #11 | 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 | 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 | 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 | Lori Wilson-Naylor | 455912 | Ameris Bank | 408099 | Bowie, MD | $4.3M | 12 | 44.4% |
| #14 | Andrew Wagner | 1638034 | Churchill Mortgage Corporation | 1591 | Baltimore, MD | $5.3M | 12 | 31.6% |
| #20 | Marian McCullough | 266202 | Manufacturers and Traders Trust Company | 381076 | Laurel, MD | $4.0M | 11 | 61.1% |
| #21 | Wei Feng | 214408 | TopOne Mortgage, Inc. | 208532 | Rockville, MD | $5.3M | 10 | 90.9% |
| #21 | Michael Bendebba | 483853 | Fairway Independent Mortgage Corporation | 2289 | La Plata, MD | $4.7M | 10 | 22.7% |
| #21 | Hannah Katz | 2009527 | CrossCountry Mortgage, LLC | 3029 | Annapolis, MD | $4.1M | 10 | 58.8% |
| #21 | Michael Wiechert | 229100 | Hawk Mortgage Group, LLC | 1218967 | Fallston, MD | $4.2M | 10 | 83.3% |
| #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 | Richard Truax | 480897 | Manufacturers and Traders Trust Company | 381076 | Baltimore, MD | $2.6M | 10 | 83.3% |
| #21 | Frederick Cole | 207740 | The Mortgage Option Inc | 2043198 | Washington, DC | $3.8M | 10 | 83.3% |
| #21 | Robert Edner | 188984 | Siwell, Inc. | 149169 | Pittsburgh, PA | $5.1M | 10 | 90.9% |
| #21 | William Harper | 1246443 | STATE EMPLOYEES CREDIT UNION OF MARYLAND INC. | 458591 | Linthicum Heights, MD | $4.5M | 10 | 76.9% |
| #21 | joseph dubreuil | 207693 | Affordable Home Mortgage, Inc. | 122687 | Hanover, PA | $3.4M | 10 | 55.6% |
| #21 | Angela Tucciarella | 898059 | OpenDoor Financial Services Corporation | 2063838 | Darlington, MD | $3.1M | 10 | 58.8% |
| #33 | Chad Blevins | 202432 | Blevins Home Mortgage Inc. | 197530 | Darlington, MD | $2.4M | 9 | 52.9% |
| #33 | Julio Cueto | 323645 | Mortgage One Solutions, Inc. | 115977 | McLean, VA | $3.7M | 9 | 45.0% |
| #33 | Jason Lerner | 448776 | First Home Mortgage Corporation | 71603 | Baltimore, MD | $3.5M | 9 | 28.1% |
| #33 | Craig Kam | 146561 | NFM Lending, LLC | 2893 | Linthicum, MD | $4.0M | 9 | 24.3% |
| #33 | Todd Newell | 728239 | United Bank | 522399 | Bethesda, MD | $4.5M | 9 | 69.2% |
| #33 | JOSEPH NIOSI | 185812 | CrossCountry Mortgage, LLC | 3029 | Dunkirk, MD | $3.4M | 9 | 39.1% |
| #33 | Brian Picker | 455882 | SWBC Mortgage Corporation | 9741 | Columbia, MD | $4.3M | 9 | 81.8% |
| #33 | Geetesh Kapoor | 450777 | Fairway Independent Mortgage Corporation | 2289 | Ellicott City, MD | $5.3M | 9 | 64.3% |
| #33 | Larry McMillan | 223559 | Ameris Bank | 408099 | Eldersburg, MD | $2.1M | 9 | 22.0% |
| #42 | Christopher Moylan | 304773 | First Pryority Bank | 1844483 | Pryor, OK | $3.4M | 8 | 47.1% |
| #42 | Stephen Lovellette | 138633 | Mortgage One, LLC | 138171 | Bel Air, MD | $2.9M | 8 | 47.1% |
| #42 | Malcolm Crane | 357810 | Fairway Independent Mortgage Corporation | 2289 | Towson, MD | $2.6M | 8 | 17.4% |
| #42 | Terrie Klinken | 172821 | Ameris Bank | 408099 | Eldersburg, MD | $4.1M | 8 | 80.0% |
| #42 | Jordan Kingsbury | 1095269 | Vellum Mortgage, Inc. | 1657323 | Annapolis, MD | $3.7M | 8 | 21.1% |
| #42 | Daniel Williamson | 134226 | Community Mortgage LLC | 104656 | Mount Airy, MD | $2.2M | 8 | 66.7% |
| #42 | Mehdi Pirzadeh | 189912 | Embrace Home Loans, Inc. | 2184 | Rockville, MD | $6.4M | 8 | 61.5% |
| #42 | Amy Goldstein | 184642 | BMIC Mortgage, Inc. | 177349 | Gaithersburg, MD | $5.9M | 8 | 72.7% |
| #42 | Ernest Donaldson | 160865 | Universal Mortgage & Finance, Inc. | 118030 | Annapolis, MD | $2.5M | 8 | 38.1% |
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 August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/maryland/top-retention-by-units/2024
Powered by ChatMMI