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 May 28, 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 | 81.9% |
| #2 | Daniel McCoy | 485895 | Highlands Residential Mortgage, Ltd. | 134871 | Greensboro, NC | $53.5M | 152 | 73.8% |
| #3 | Daniel McCoy | 485898 | Highlands Residential Mortgage, Ltd. | 134871 | Greensboro, NC | $32.6M | 115 | 77.7% |
| #4 | Jacqueline Wampler | 85964 | Primis Mortgage Company | 1894879 | Wilmington, NC | $32.6M | 113 | 75.3% |
| #5 | Charles Hillemann | 438481 | Stifel Bank and Trust | 375103 | Saint Louis, MO | $71.8M | 104 | 59.8% |
| #6 | Matthew Oliver | 169890 | LUND MORTGAGE TEAM, INC. | 162701 | Glendale, AZ | $32.7M | 91 | 55.2% |
| #7 | Thuan Nguyen | 320775 | Loan Factory, Inc. | 320841 | San Jose, CA | $36.5M | 88 | 42.7% |
| #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 | $99.7M | 68 | 58.6% |
| #11 | Skylar Swiecki | 23430 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $35.9M | 65 | 53.3% |
| #12 | Shane Boon | 30178 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $36.4M | 64 | 51.6% |
| #13 | Christopher Frederick | 30003 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $39.7M | 63 | 71.6% |
| #13 | Randy Masters | 316188 | Masters Team Mortgage | 265226 | Folsom, CA | $35.2M | 63 | 64.3% |
| #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% |
| #17 | Tammy Saul | 175722 | Federal Hill Mortgage Company, LLC | 176351 | Baltimore, MD | $19.7M | 59 | 60.2% |
| #17 | Brett Burns | 320423 | Frame Home Loans LLC | 2728586 | Austin, TX | $33.9M | 59 | 60.8% |
| #17 | Ric Gosser | 120413 | CMG Mortgage, Inc. | 1820 | Mill Creek, WA | $24.1M | 59 | 40.7% |
| #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 | 37.3% |
| #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% |
| #25 | Matthew Smith | 34764 | West Capital Lending, Inc. | 1566096 | Troy, MI | $32.4M | 53 | 50.5% |
| #25 | Marcello Castelvetere | 984442 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $36.0M | 53 | 51.5% |
| #25 | Christopher Gallo | 60863 | CrossCountry Mortgage, LLC | 3029 | — | $26.5M | 53 | 42.1% |
| #25 | Alvin Jabboury | 1190987 | eMortgage Funding LLC | 1059364 | Troy, MI | $17.1M | 53 | 31.0% |
| #29 | Patrick Connelly | 46975 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $32.9M | 52 | 55.9% |
| #29 | Denise Donoghue | 513250 | Mortgage Nerd Group LLC | 2829543 | Dallas, TX | $19.1M | 52 | 61.2% |
| #29 | Heather Santos | 31720 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $47.4M | 52 | 73.2% |
| #29 | KEVIN LYONS | 319408 | Anchor Funding, Inc. | 236419 | San Diego, CA | $28.3M | 52 | 71.2% |
| #33 | Isaac Pollock | 881361 | Citizens Bank, National Association | 433960 | Providence, RI | $27.9M | 51 | 79.7% |
| #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 | victor shkolnikov | 1172221 | United Lending Team, INC | 2273319 | Troy, MI | $19.8M | 50 | 62.5% |
| #34 | Timothy Draves | 189840 | CMG Mortgage, Inc. | 1820 | Baltimore, MD | $25.9M | 50 | 68.5% |
| #38 | Gary Gellman | 236581 | North First Mortgage Group, Inc. | 1844051 | San Martin, CA | $23.3M | 49 | 94.2% |
| #38 | Dawn Conder | 117139 | Stanford Capital, LLC | 65215 | Henderson, NV | $14.5M | 49 | 22.8% |
| #40 | Jesse Cronen | 8821 | Northpointe Bank | 447490 | Louisville, KY | $14.4M | 48 | 60.8% |
| #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 | Adam Fusselman | 658008 | The Bippus State Bank | 631974 | Huntington, IN | $14.7M | 47 | 61.8% |
| #45 | Dennis Giakos | 9340 | loanDepot.com, LLC | 174457 | Irvine, CA | $22.0M | 46 | 59.0% |
| #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% |
| #45 | Ryan Estes | 505435 | More Life Mortgage, LLC | 2748762 | Raleigh, NC | $35.1M | 46 | 78.0% |
| #49 | Felisha Junge | 421757 | GreenState Credit Union | 401238 | Cedar Rapids, IA | $7.9M | 45 | 38.8% |
| #50 | Miles Rusth | 84660 | Summit Mortgage Corporation | 3236 | Portland, OR | $23.6M | 44 | 83.0% |
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 Loan Count — Nationwide (2022). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/national/top-retention-by-units/2022
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