Retention champions nationwide in 2022, 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 H. Carmen Castro Franceschi (First Republic Bank, NMLS #487229), Daniel McCoy (Highlands Residential Mortgage, Ltd., NMLS #485895), and Daniel McCoy (Highlands Residential Mortgage, Ltd., NMLS #485898).
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 | H. Carmen Castro Franceschi | 487229 | First Republic Bank | 362814 | — | $150.0M | 164 | 81.6% |
| #2 | Daniel McCoy | 485895 | Highlands Residential Mortgage, Ltd. | 134871 | Greensboro, NC | $56.4M | 154 | 74.0% |
| #3 | Daniel McCoy | 485898 | Highlands Residential Mortgage, Ltd. | 134871 | Greensboro, NC | $32.9M | 115 | 77.7% |
| #4 | Jacqueline Wampler | 85964 | Primis Mortgage Company | 1894879 | Wilmington, NC | $32.2M | 112 | 74.2% |
| #5 | Charles Hillemann | 438481 | Stifel Bank and Trust | 375103 | Saint Louis, MO | $72.0M | 105 | 59.7% |
| #6 | Matthew Oliver | 169890 | LUND MORTGAGE TEAM, INC. | 162701 | Glendale, AZ | $33.0M | 92 | 55.4% |
| #7 | Thuan Nguyen | 320775 | Loan Factory, Inc. | 320841 | San Jose, CA | $36.7M | 89 | 43.4% |
| #8 | Bruce OKronley | 30743 | CrossCountry Mortgage, LLC | 3029 | Southfield, MI | $48.8M | 73 | 70.2% |
| #8 | William Price | 175742 | Price Mortgage, LLC | 1429043 | Gilbert, AZ | $29.6M | 73 | 64.0% |
| #10 | Mark Goodwin | 543312 | The Federal Savings Bank | 411500 | Southlake, TX | $101.0M | 71 | 59.2% |
| #11 | Skylar Swiecki | 23430 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $36.2M | 66 | 54.1% |
| #12 | Randolph Masters | 316188 | Masters Team Mortgage | 265226 | Folsom, CA | $35.7M | 64 | 65.3% |
| #12 | Shane Boon | 30178 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $36.4M | 64 | 51.2% |
| #14 | Christopher Frederick | 30003 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $39.7M | 63 | 71.6% |
| #15 | Thomas Lavallee | 132849 | Guaranteed Rate, Inc. | 2611 | Chicago, IL | $16.5M | 61 | 53.5% |
| #16 | Brett Burns | 320423 | CrossCountry Mortgage, LLC | 3029 | Lacey, WA | $34.3M | 60 | 61.9% |
| #16 | KAREN NIELSON | 80226 | Guild Mortgage Company LLC | 3274 | Logan, UT | $17.0M | 60 | 35.9% |
| #16 | Tammy Saul | 175722 | Federal Hill Mortgage Company, LLC | 176351 | Baltimore, MD | $19.9M | 60 | 60.6% |
| #16 | Ric Gosser | 120413 | CMG Mortgage, Inc. | 1820 | Everett, WA | $24.8M | 60 | 41.4% |
| #20 | Shant Banosian | 7206 | Guaranteed Rate, Inc. | 2611 | Waltham, MA | $28.5M | 57 | 24.2% |
| #20 | Michael Dunn | 915546 | Guild Mortgage Company LLC | 3274 | San Diego, CA | $18.1M | 57 | 37.0% |
| #22 | Jason Hardin | 559028 | Bank of America, N.A. | 399802 | Manchester, MO | $14.9M | 56 | 76.7% |
| #23 | Alber Saleh | 479975 | Wells Fargo Bank, National Association | 399801 | Corte Madera, CA | $84.7M | 55 | 47.4% |
| #24 | JOSEPH METZGER | 955819 | LIGHTWORKERS HOME LOANS INC. | 2696820 | Rolling Meadows, IL | $18.6M | 54 | 25.2% |
| #24 | Denise Donoghue | 513250 | NRD Lending LLC | 2829543 | Dallas, TX | $19.9M | 54 | 61.4% |
| #26 | Alvin Jabboury | 1190987 | eMortgage Funding LLC | 1059364 | Troy, MI | $17.1M | 53 | 31.0% |
| #26 | Marcello Castelvetere | 984442 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $36.0M | 53 | 51.5% |
| #26 | Matthew Smith | 34764 | West Capital Lending, Inc. | 1566096 | Troy, MI | $32.4M | 53 | 50.5% |
| #26 | KEVIN LYONS | 319408 | Anchor Funding, Inc. | 236419 | San Diego, CA | $29.2M | 53 | 71.6% |
| #26 | Christopher Gallo | 60863 | CrossCountry Mortgage, LLC | 3029 | — | $26.5M | 53 | 42.1% |
| #31 | Heather Santos | 31720 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $47.4M | 52 | 73.2% |
| #32 | Isaac Pollock | 881361 | Citizens Bank, National Association | 433960 | Providence, RI | $27.9M | 51 | 79.7% |
| #32 | Patrick Connelly | 46975 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $32.5M | 51 | 55.4% |
| #34 | Christina Razzi | 162739 | U.S. Bank National Association | 402761 | Chicago, IL | $47.8M | 50 | 66.7% |
| #34 | Jeremy Cramer | 1548416 | Citizens Bank, National Association | 433960 | El Segundo, CA | $38.2M | 50 | 87.7% |
| #34 | Timothy Draves | 189840 | CMG Mortgage, Inc. | 1820 | Baltimore, MD | $25.9M | 50 | 67.6% |
| #37 | victor shkolnikov | 1172221 | United Lending Team, INC | 2273319 | Troy, MI | $19.5M | 49 | 62.0% |
| #37 | Gary Gellman | 236581 | North First Mortgage Group, Inc. | 1844051 | San Martin, CA | $23.3M | 49 | 94.2% |
| #37 | Dawn Conder | 117139 | Stanford Capital, LLC | 65215 | Henderson, NV | $14.5M | 49 | 22.4% |
| #40 | Diane Dumond | 1597114 | Connecticut State Employees Credit Union | 695872 | — | $7.0M | 48 | 72.7% |
| #40 | Jesse Cronen | 8821 | Northpointe Bank | 447490 | Louisville, KY | $14.4M | 48 | 60.8% |
| #42 | David Rashet | 438490 | Stifel Bank and Trust | 375103 | Saint Louis, MO | $42.4M | 47 | 70.1% |
| #42 | Nicholas Tomas | 31699 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $25.9M | 47 | 64.4% |
| #44 | Dennis Giakos | 9340 | loanDepot.com, LLC | 174457 | Irvine, CA | $22.0M | 46 | 59.0% |
| #44 | April Reichert | 166364 | Guild Mortgage Company LLC | 3274 | Federal Way, WA | $17.3M | 46 | 68.7% |
| #44 | Ryan Estes | 505435 | More Life Mortgage, LLC | 2748762 | — | $35.1M | 46 | 78.0% |
| #44 | Dustin Williams | 348110 | REARDEN S INCORPORATED | 275688 | San Juan Capistrano, CA | $22.9M | 46 | 38.3% |
| #48 | Felisha Junge | 421757 | GreenState Credit Union | 401238 | Cedar Rapids, IA | $7.9M | 45 | 38.8% |
| #48 | Adam Fusselman | 658008 | The Bippus State Bank | 631974 | Huntington, IN | $13.9M | 45 | 60.0% |
| #50 | Miles Rusth | 84660 | Summit Mortgage Corporation | 3236 | Portland, OR | $23.6M | 44 | 81.5% |
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 Loan Count — Nationwide (2022). Powered by MMI public record mortgage production data, accessed August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/national/top-retention-by-units/2022
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