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 October 11, 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 | $57.9M | 158 | 75.2% |
| #3 | Daniel McCoy | 485898 | Highlands Residential Mortgage, Ltd. | 134871 | Greensboro, NC | $32.4M | 115 | 77.7% |
| #4 | Jacqueline Wampler | 85964 | Primis Mortgage Company | 1894879 | Wilmington, NC | $31.3M | 110 | 73.8% |
| #5 | Charles Hillemann | 438481 | Stifel Bank and Trust | 375103 | Saint Louis, MO | $72.4M | 106 | 60.2% |
| #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 | 43.2% |
| #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 | 69.5% |
| #10 | Mark Goodwin | 543312 | The Federal Savings Bank | 411500 | Southlake, TX | $102.5M | 72 | 59.5% |
| #11 | Skylar Swiecki | 23430 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $36.2M | 66 | 54.1% |
| #12 | Shane Boon | 30178 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $36.4M | 64 | 52.0% |
| #12 | Randolph Masters | 316188 | Masters Team Mortgage | 265226 | Folsom, CA | $35.7M | 64 | 65.3% |
| #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 | Tammy Saul | 175722 | Federal Hill Mortgage Company, LLC | 176351 | Baltimore, MD | $19.9M | 60 | 60.6% |
| #16 | KAREN NIELSON | 80226 | Guild Mortgage Company LLC | 3274 | Logan, UT | $17.0M | 60 | 35.7% |
| #16 | Ric Gosser | 120413 | CMG Mortgage, Inc. | 1820 | Everett, WA | $24.8M | 60 | 41.4% |
| #16 | Brett Burns | 320423 | CrossCountry Mortgage, LLC | 3029 | Issaquah, WA | $34.2M | 60 | 61.9% |
| #20 | Shant Banosian | 7206 | Guaranteed Rate, Inc. | 2611 | Waltham, MA | $28.5M | 57 | 24.1% |
| #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 | 75.7% |
| #23 | Alber Saleh | 479975 | Wells Fargo Bank, National Association | 399801 | Corte Madera, CA | $84.7M | 55 | 46.6% |
| #24 | JOSEPH METZGER | 955819 | Liberty Financing LLC | 2441006 | Centennial, CO | $18.6M | 54 | 25.2% |
| #24 | Alvin Jabboury | 1190987 | eMortgage Funding LLC | 1059364 | Troy, MI | $17.3M | 54 | 31.4% |
| #24 | KEVIN LYONS | 319408 | Anchor Funding, Inc. | 236419 | San Diego, CA | $29.6M | 54 | 72.0% |
| #24 | Denise Donoghue | 513250 | NRD Lending LLC | 2829543 | Dallas, TX | $19.9M | 54 | 61.4% |
| #28 | Matthew Smith | 34764 | West Capital Lending, Inc. | 1566096 | Troy, MI | $32.4M | 53 | 50.5% |
| #28 | Marcello Castelvetere | 984442 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $36.0M | 53 | 51.5% |
| #28 | Christopher Gallo | 60863 | CrossCountry Mortgage, LLC | 3029 | — | $26.5M | 53 | 42.1% |
| #31 | Isaac Pollock | 881361 | Citizens Bank, National Association | 433960 | Providence, RI | $29.4M | 52 | 81.3% |
| #31 | Timothy Draves | 189840 | CMG Mortgage, Inc. | 1820 | Baltimore, MD | $27.2M | 52 | 68.4% |
| #31 | Heather Santos | 31720 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $47.4M | 52 | 73.2% |
| #34 | Patrick Connelly | 46975 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $32.5M | 51 | 55.4% |
| #35 | Jeremy Cramer | 1548416 | Citizens Bank, National Association | 433960 | El Segundo, CA | $38.2M | 50 | 87.7% |
| #35 | victor shkolnikov | 1172221 | United Lending Team, INC | 2273319 | Troy, MI | $20.0M | 50 | 62.5% |
| #37 | Gary Gellman | 236581 | North First Mortgage Group, Inc. | 1844051 | San Martin, CA | $23.3M | 49 | 94.2% |
| #37 | Christina Razzi | 162739 | U.S. Bank National Association | 402761 | Chicago, IL | $46.5M | 49 | 66.2% |
| #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 | 61.5% |
| #42 | David Rashet | 438490 | Stifel Bank and Trust | 375103 | Saint Louis, MO | $42.4M | 47 | 69.1% |
| #42 | Nicholas Tomas | 31699 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $25.9M | 47 | 64.4% |
| #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% |
| #44 | April Reichert | 166364 | Guild Mortgage Company LLC | 3274 | Federal Way, WA | $17.3M | 46 | 68.7% |
| #44 | Dennis Giakos | 9340 | loanDepot.com, LLC | 174457 | Irvine, CA | $22.0M | 46 | 59.0% |
| #48 | Felisha Junge | 421757 | GreenState Credit Union | 401238 | Cedar Rapids, IA | $7.9M | 45 | 39.1% |
| #48 | Adam Fusselman | 658008 | The Bippus State Bank | 631974 | Huntington, IN | $13.9M | 45 | 59.2% |
| #48 | Edward Currie | 523638 | U.S. Bank National Association | 402761 | Earth City, MO | $48.2M | 45 | 51.7% |
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 October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/national/top-retention-by-units/2022
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