Retention champions in Maryland in 2024, ranked by total volume. 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), Yingxin Xue (Manufacturers and Traders Trust Company, NMLS #1685953), 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 | Yingxin Xue | 1685953 | Manufacturers and Traders Trust Company | 381076 | Paoli, PA | $13.9M | 17 | 85.0% |
| #3 | Armen Manokian | 1284162 | Go Rascal Inc. | 2072896 | Brooklyn, NY | $10.3M | 19 | 46.3% |
| #4 | Eric Hedeman | 143895 | Chesapeake Mortgage Solutions, Inc | 186148 | Severna Park, MD | $8.2M | 22 | 95.7% |
| #5 | Kyndle Quinones | 156081 | NFM Lending, LLC | 2893 | Severna Park, MD | $8.2M | 15 | 46.9% |
| #6 | Brendan McKay | 554441 | McKay Mortgage Company, LLC | 1590323 | Bethesda, MD | $7.6M | 12 | 63.2% |
| #7 | Neil Kantor | 189643 | Rocket Mortgage, LLC | 3030 | Rockville, MD | $7.1M | 13 | 27.1% |
| #8 | James Gannon | 181267 | Guaranteed Rate, Inc. | 2611 | Columbia, MD | $7.0M | 12 | 44.4% |
| #9 | Samuel Rosenblatt | 75844 | DAS Acquisition Company, LLC | 227262 | Saint Michaels, MD | $7.0M | 16 | 36.4% |
| #10 | James Adamson | 455833 | Ameris Bank | 408099 | Eldersburg, MD | $6.6M | 18 | 41.9% |
| #11 | Nadeem Bhatti | 189314 | Access Financial Mortgage Corp. | 1370402 | Fulton, MD | $6.5M | 16 | 64.0% |
| #12 | Mehdi Pirzadeh | 189912 | Embrace Home Loans, Inc. | 2184 | Rockville, MD | $6.4M | 8 | 61.5% |
| #13 | Kristy Grams | 302452 | PRESIDENTIAL BANK, FSB | 421593 | Frederick, MD | $6.3M | 12 | 44.4% |
| #14 | Amy Goldstein | 184642 | BMIC Mortgage, Inc. | 177349 | Gaithersburg, MD | $5.9M | 8 | 72.7% |
| #15 | Bryan Raiford | 146582 | NFM Lending, LLC | 2893 | Bethesda, MD | $5.6M | 14 | 40.0% |
| #16 | Paul Concannon | 455283 | WesBanco Bank, Inc. | 399836 | Towson, MD | $5.5M | 8 | 61.5% |
| #17 | Wei Feng | 214408 | TopOne Mortgage, Inc. | 208532 | Rockville, MD | $5.3M | 10 | 90.9% |
| #18 | Andrew Wagner | 1638034 | Churchill Mortgage Corporation | 1591 | Baltimore, MD | $5.3M | 12 | 31.6% |
| #19 | Geetesh Kapoor | 450777 | Fairway Independent Mortgage Corporation | 2289 | Ellicott City, MD | $5.3M | 9 | 64.3% |
| #20 | Michael Fagan | 182530 | Guaranteed Rate Affinity, LLC | 1598647 | Ellicott City, MD | $5.3M | 10 | 33.3% |
| #21 | Jeffrey Senker | 134844 | Primary Residential Mortgage, Inc. | 3094 | Bel Air, MD | $5.2M | 15 | 38.5% |
| #22 | Robert Edner | 188984 | Siwell, Inc. | 149169 | Pittsburgh, PA | $5.1M | 10 | 90.9% |
| #23 | Jonathan Wald | 571973 | NFM Lending, LLC | 2893 | Timonium, MD | $5.0M | 7 | 38.9% |
| #24 | Michael Bendebba | 483853 | Fairway Independent Mortgage Corporation | 2289 | La Plata, MD | $4.7M | 10 | 22.7% |
| #25 | Jordan Dobbs | 1053709 | CrossCountry Mortgage, LLC | 3029 | North Bethesda, MD | $4.6M | 6 | 60.0% |
| #26 | Todd Newell | 728239 | United Bank | 522399 | Bethesda, MD | $4.5M | 9 | 69.2% |
| #27 | William Harper | 1246443 | STATE EMPLOYEES CREDIT UNION OF MARYLAND INC. | 458591 | Linthicum Heights, MD | $4.5M | 10 | 76.9% |
| #28 | Lori Wilson-Naylor | 455912 | Ameris Bank | 408099 | Bowie, MD | $4.3M | 12 | 44.4% |
| #29 | Brian Picker | 455882 | SWBC Mortgage Corporation | 9741 | Columbia, MD | $4.3M | 9 | 81.8% |
| #30 | Michael Wiechert | 229100 | Hawk Mortgage Group, LLC | 1218967 | Fallston, MD | $4.2M | 10 | 83.3% |
| #31 | Terrie Klinken | 172821 | Ameris Bank | 408099 | Eldersburg, MD | $4.1M | 8 | 80.0% |
| #32 | Hannah Katz | 2009527 | CrossCountry Mortgage, LLC | 3029 | Annapolis, MD | $4.1M | 10 | 58.8% |
| #33 | Craig Kam | 146561 | NFM Lending, LLC | 2893 | Linthicum, MD | $4.0M | 9 | 24.3% |
| #34 | Marian McCullough | 266202 | Ameris Bank | 408099 | Bowie, MD | $4.0M | 11 | 61.1% |
| #35 | Diana Rucci | 457854 | Maryland MM LLC | 2252404 | White Plains, MD | $3.9M | 6 | 37.5% |
| #36 | Frederick Cole | 207740 | The Mortgage Option Inc | 2043198 | Washington, DC | $3.8M | 10 | 83.3% |
| #37 | Jordan Kingsbury | 1095269 | Vellum Mortgage, Inc. | 1657323 | Annapolis, MD | $3.7M | 8 | 21.1% |
| #38 | Julio Cueto | 323645 | Mortgage One Solutions, Inc. | 115977 | McLean, VA | $3.7M | 9 | 45.0% |
| #39 | William Williams | 206380 | First Washington Mortgage, LLC | 68479 | Washington, DC | $3.7M | 7 | 21.9% |
| #40 | Charles Hall | 187257 | Fairway Independent Mortgage Corporation | 2289 | Annapolis, MD | $3.6M | 7 | 53.8% |
| #41 | Aaron Matty | 1063170 | Primary Residential Mortgage, Inc. | 3094 | Towson, MD | $3.5M | 10 | 47.6% |
| #42 | Jason Lerner | 448776 | First Home Mortgage Corporation | 71603 | Baltimore, MD | $3.5M | 9 | 28.1% |
| #43 | Ayazhussein Rahemanji | 457664 | First Home Mortgage Corporation | 71603 | Baltimore, MD | $3.5M | 8 | 44.4% |
| #44 | joseph dubreuil | 207693 | Affordable Home Mortgage, Inc. | 122687 | Hanover, PA | $3.4M | 10 | 55.6% |
| #45 | JOSEPH NIOSI | 185812 | CrossCountry Mortgage, LLC | 3029 | Dunkirk, MD | $3.4M | 9 | 39.1% |
| #46 | Christopher Moylan | 304773 | First Pryority Bank | 1844483 | Pryor, OK | $3.4M | 8 | 47.1% |
| #47 | Angela Tucciarella | 898059 | OpenDoor Financial Services Corporation | 2063838 | Darlington, MD | $3.4M | 11 | 61.1% |
| #48 | Jessica Enfinger | 513123 | CrossCountry Mortgage, LLC | 3029 | Columbia, MD | $3.3M | 8 | 40.0% |
| #49 | Rebecca Stevenson Douglas | 1649488 | Maryland MM LLC | 2252404 | White Plains, MD | $3.2M | 7 | 58.3% |
| #50 | Odai Mabrouk | 1158706 | United Lending Team, INC | 2273319 | Troy, MI | $3.2M | 6 | 54.5% |
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 Volume — Maryland (2024). Powered by MMI public record mortgage production data, accessed July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/maryland/top-retention-by-volume/2024
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