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 July 13, 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 | — | $144.0M | 163 | 81.5% |
| #2 | Daniel McCoy | 485895 | Highlands Residential Mortgage, Ltd. | 134871 | Greensboro, NC | $56.4M | 154 | 73.7% |
| #3 | Daniel McCoy | 485898 | Highlands Residential Mortgage, Ltd. | 134871 | Greensboro, NC | $33.2M | 116 | 77.9% |
| #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 | William Price | 175742 | Price Mortgage, LLC | 1429043 | Gilbert, AZ | $29.6M | 73 | 64.0% |
| #8 | Bruce OKronley | 30743 | CrossCountry Mortgage, LLC | 3029 | Southfield, MI | $48.8M | 73 | 70.2% |
| #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 | $35.9M | 65 | 53.3% |
| #12 | Randy 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 | 51.6% |
| #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 | 53.0% |
| #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 | 60.0% |
| #16 | Ric Gosser | 120413 | CMG Mortgage, Inc. | 1820 | Everett, WA | $24.8M | 60 | 41.4% |
| #19 | Brett Burns | 320423 | CrossCountry Mortgage, LLC | 3029 | Lacey, WA | $33.9M | 59 | 60.8% |
| #20 | Michael Dunn | 915546 | Guild Mortgage Company LLC | 3274 | San Diego, CA | $18.1M | 57 | 37.0% |
| #20 | Shant Banosian | 7206 | Guaranteed Rate, Inc. | 2611 | Waltham, MA | $28.5M | 57 | 24.2% |
| #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 | Mortgage Nerd Group LLC | 2829543 | Dallas, TX | $19.9M | 54 | 61.4% |
| #26 | Marcello Castelvetere | 984442 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $36.0M | 53 | 51.5% |
| #26 | Alvin Jabboury | 1190987 | eMortgage Funding LLC | 1059364 | Troy, MI | $17.1M | 53 | 31.0% |
| #26 | KEVIN LYONS | 319408 | Anchor Funding, Inc. | 236419 | San Diego, CA | $29.2M | 53 | 70.7% |
| #26 | Matthew Smith | 34764 | West Capital Lending, Inc. | 1566096 | Troy, MI | $32.4M | 53 | 50.5% |
| #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% |
| #31 | Patrick Connelly | 46975 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $32.9M | 52 | 55.9% |
| #33 | Isaac Pollock | 881361 | Citizens Bank, National Association | 433960 | Providence, RI | $27.9M | 51 | 79.7% |
| #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% |
| #34 | Christina Razzi | 162739 | U.S. Bank National Association | 402761 | Chicago, IL | $47.8M | 50 | 66.7% |
| #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% |
| #37 | victor shkolnikov | 1172221 | United Lending Team, INC | 2273319 | Troy, MI | $19.5M | 49 | 62.0% |
| #40 | Jesse Cronen | 8821 | Northpointe Bank | 447490 | Louisville, KY | $14.4M | 48 | 61.5% |
| #40 | Diane Dumond | 1597114 | Connecticut State Employees Credit Union | 695872 | — | $7.0M | 48 | 72.7% |
| #42 | Nicholas Tomas | 31699 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $25.9M | 47 | 64.4% |
| #42 | David Rashet | 438490 | Stifel Bank and Trust | 375103 | Saint Louis, MO | $42.4M | 47 | 69.1% |
| #42 | Ryan Estes | 505435 | More Life Mortgage, LLC | 2748762 | Raleigh, NC | $35.8M | 47 | 78.3% |
| #45 | Dennis Giakos | 9340 | loanDepot.com, LLC | 174457 | Irvine, CA | $22.0M | 46 | 59.0% |
| #45 | Adam Fusselman | 658008 | The Bippus State Bank | 631974 | Huntington, IN | $14.5M | 46 | 60.5% |
| #45 | April Reichert | 166364 | Guild Mortgage Company LLC | 3274 | Federal Way, WA | $17.3M | 46 | 68.7% |
| #45 | Dustin Williams | 348110 | REARDEN S INCORPORATED | 275688 | San Juan Capistrano, CA | $22.9M | 46 | 38.3% |
| #49 | Felisha Junge | 421757 | GreenState Credit Union | 401238 | Cedar Rapids, IA | $7.9M | 45 | 38.8% |
| #50 | Edward Currie | 523638 | U.S. Bank National Association | 402761 | Earth City, MO | $47.2M | 44 | 51.8% |
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 July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/national/top-retention-by-units/2022
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