Retention champions in Massachusetts in 2022, ranked by total volume. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of May 28, 2026, the top 3 include Richard Kertzman (Citizens Bank, National Association, NMLS #487208), Shant Banosian (Guaranteed Rate, Inc., NMLS #7206), and Lauren Ard (Cape Cod Five Cents Savings Bank, NMLS #835472).
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 | Richard Kertzman | 487208 | Citizens Bank, National Association | 433960 | Boston, MA | $25.1M | 33 | 82.5% |
| #2 | Shant Banosian | 7206 | Guaranteed Rate, Inc. | 2611 | Waltham, MA | $24.1M | 47 | 22.3% |
| #3 | Lauren Ard | 835472 | Cape Cod Five Cents Savings Bank | 401717 | Nantucket, MA | $21.8M | 20 | 57.1% |
| #4 | June Hudnall | 531238 | The Village Bank | 408536 | Auburndale, MA | $20.8M | 19 | 57.6% |
| #5 | Paul Piccirillo | 482823 | U.S. Bank National Association | 402761 | Earth City, MO | $19.1M | 8 | 61.5% |
| #6 | Matthew Chabot | 26580 | Washington Trust Mortgage Company LLC | 901927 | Burlington, MA | $18.7M | 16 | 40.0% |
| #7 | Jonathan Weisman | 19378 | Blue Door Mortgage, LLC | 2218 | Newton, MA | $18.4M | 29 | 49.2% |
| #8 | Timothy Brennan | 516908 | Eastern Bank | 451827 | Manchester, NH | $15.3M | 15 | 71.4% |
| #9 | Beth Ann Meehan | 522499 | Cape Cod Five Cents Savings Bank | 401717 | Nantucket, MA | $14.9M | 13 | 48.1% |
| #10 | Stephen Dicenso | 776587 | Manufacturers and Traders Trust Company | 381076 | Boston, MA | $14.0M | 8 | 40.0% |
| #11 | Douglas Smith | 487186 | Citizens Bank, National Association | 433960 | Boston, MA | $13.9M | 11 | 91.7% |
| #12 | Luisa Bedoya | 703198 | MSA Mortgage, LLC | 1984 | Revere, MA | $13.7M | 25 | 51.0% |
| #13 | John Witherspoon | 792900 | SAFRA NATIONAL BANK OF NEW YORK | 2544196 | New York, NY | $13.6M | 16 | 66.7% |
| #14 | James Hirbour | 19618 | Workers Federal Credit Union | 472618 | Littleton, MA | $12.3M | 19 | 37.3% |
| #15 | SueAnn Sheehan | 166956 | Citizens Bank, National Association | 433960 | Boston, MA | $11.7M | 15 | 83.3% |
| #16 | Pei Wang | 22375 | Manufacturers and Traders Trust Company | 381076 | Nashua, NH | $11.4M | 12 | 54.5% |
| #17 | Ann Saccoccia | 704395 | Martha's Vineyard Bank | 2372502 | Vineyard Haven, MA | $11.0M | 8 | 44.4% |
| #18 | Andrew Marquis | 29861 | CrossCountry Mortgage, LLC | 3029 | Lexington, MA | $10.8M | 17 | 16.0% |
| #19 | Meryl Watson | 423227 | Leader Bank, NA | 449250 | Arlington, MA | $9.9M | 10 | 24.4% |
| #20 | CARL SYLVESTER | 8979 | Washington Trust Mortgage Company LLC | 901927 | Sharon, MA | $9.5M | 10 | 52.6% |
| #21 | Peter DeLea | 18755 | Weston Loan Group, LLC | 1202 | Newton, MA | $9.3M | 14 | 66.7% |
| #22 | Andrew Wiles | 1482402 | JPMorgan Chase Bank, National Association | 399798 | Boston, MA | $9.0M | 9 | 64.3% |
| #23 | Tammy King | 504577 | New Fed Mortgage, Corp. | 1881 | Milford, MA | $8.8M | 10 | 21.3% |
| #24 | Lance Mackey | 697302 | Citizens Bank, National Association | 433960 | Boston, MA | $8.8M | 12 | 70.6% |
| #25 | Lisa Assarian | 49307 | Eastern Bank | 451827 | Weston, MA | $8.6M | 7 | 58.3% |
| #26 | David Emmerich | 487239 | Citizens Bank, National Association | 433960 | — | $8.1M | 8 | 80.0% |
| #27 | Sharon Dillon | 463328 | The Village Bank | 408536 | Auburndale, MA | $7.9M | 8 | 72.7% |
| #28 | Paul Reinsmith | 48652 | Citizens Bank, National Association | 433960 | Providence, RI | $7.8M | 9 | 69.2% |
| #29 | Daniel Pulit | 423218 | Cape Cod Five Cents Savings Bank | 401717 | Sandwich, MA | $7.8M | 12 | 24.5% |
| #30 | Richard Garber | 686871 | Cambridge Savings Bank | 543370 | Burlington, MA | $7.6M | 12 | 80.0% |
| #31 | George Bissias | 39371 | Movement Mortgage, LLC | 39179 | Bedford, MA | $7.5M | 13 | 76.5% |
| #32 | Gerard Stevens | 483504 | Jeanne D'Arc Credit Union | 406108 | Lowell, MA | $7.5M | 16 | 51.6% |
| #33 | Bonnie O'Neill | 407822 | Cape Cod Five Cents Savings Bank | 401717 | Provincetown, MA | $7.3M | 9 | 34.6% |
| #34 | Tabitha Baker | 761775 | Cape Cod Five Cents Savings Bank | 401717 | Orleans, MA | $7.2M | 9 | 32.1% |
| #35 | Deborah O'Rourke | 21486 | CrossCountry Mortgage, LLC | 3029 | Newton, MA | $7.2M | 14 | 56.0% |
| #36 | Michael Isaac | 42047 | Needham Bank | 2141744 | Needham, MA | $7.2M | 6 | 18.8% |
| #37 | Timothy Lowe | 504578 | Martha's Vineyard Bank | 2372502 | Vineyard Haven, MA | $7.1M | 8 | 80.0% |
| #38 | Sean Fleming | 151080 | Washington Trust Mortgage Company LLC | 901927 | Wellesley, MA | $7.0M | 13 | 54.2% |
| #39 | Keith Hapenney | 20369 | Leader Bank, NA | 449250 | Needham, MA | $6.9M | 12 | 25.0% |
| #40 | Aaron Berger | 26792 | Lendmark Mortgage Corporation | 1135 | Woburn, MA | $6.9M | 15 | 83.3% |
| #41 | David Conti | 9557 | Leader Bank, NA | 449250 | Needham, MA | $6.8M | 12 | 46.2% |
| #42 | Diane Pansire | 39534 | Cape Cod Five Cents Savings Bank | 401717 | Brewster, MA | $6.4M | 14 | 45.2% |
| #43 | Rogerio Brasil | 481219 | Leader Bank, NA | 449250 | Arlington, MA | $6.3M | 12 | 23.1% |
| #44 | Keelan King | 482822 | Bank of America, N.A. | 399802 | Wellesley Hills, MA | $6.3M | 6 | 26.1% |
| #45 | Elizabeth Sullivan | 764846 | JPMorgan Chase Bank, National Association | 399798 | — | $6.2M | 9 | 60.0% |
| #46 | Sean Perkins | 895927 | TD Bank NA | 399800 | Boston, MA | $6.1M | 6 | 31.6% |
| #47 | Pamela McLain | 485411 | BayCoast Mortgage Company, LLC | 1082048 | — | $6.0M | 8 | 72.7% |
| #48 | Barry Berman | 24000 | JPMorgan Chase Bank, National Association | 399798 | Boston, MA | $6.0M | 5 | 50.0% |
| #49 | Allyson Kreycik | 484108 | Guaranteed Rate, Inc. | 2611 | Portsmouth, NH | $5.9M | 8 | 21.1% |
| #50 | Kevin Gillis | 21429 | Guaranteed Rate, Inc. | 2611 | Newburyport, MA | $5.8M | 9 | 45.0% |
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 — Massachusetts (2022). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/massachusetts/top-retention-by-volume/2022
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