Retention champions in Oregon in 2026 so far, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of July 7, 2026, the top 3 include James Beard (CrossCountry Mortgage, LLC, NMLS #101846), Justin Morris (Guild Mortgage Company LLC, NMLS #515250), and Ryan Arzner (CrossCountry Mortgage, LLC, NMLS #247157).
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 | James Beard | 101846 | CrossCountry Mortgage, LLC | 3029 | Medford, OR | $8.8M | 26 | 55.3% |
| #2 | Justin Morris | 515250 | Guild Mortgage Company LLC | 3274 | Salem, OR | $8.4M | 24 | 75.0% |
| #3 | Ryan Arzner | 247157 | CrossCountry Mortgage, LLC | 3029 | McMinnville, OR | $7.3M | 18 | 64.3% |
| #4 | Aaron Espadron-Coker | 205716 | CrossCountry Mortgage, LLC | 3029 | Portland, OR | $6.0M | 17 | 81.0% |
| #4 | Trevor Nissen | 487509 | Guild Mortgage Company LLC | 3274 | Eugene, OR | $4.2M | 17 | 60.7% |
| #4 | Ladelle White | 372813 | Guild Mortgage Company LLC | 3274 | Eugene, OR | $5.3M | 17 | 81.0% |
| #7 | Morgan Faricy | 1733747 | Arete Mortgage NW, LLC | 1603801 | Milwaukie, OR | $8.6M | 16 | 94.1% |
| #7 | Randal Vance | 1455628 | Boss Mortgage, LLC | 2547821 | Bend, OR | $8.4M | 16 | 53.3% |
| #9 | Aaron Nawrocki | 252668 | Capital M Lending, LLC | 69445 | Lake Oswego, OR | $7.6M | 14 | 63.6% |
| #9 | Jordan Keck | 1017341 | Advantage Mortgage, Inc. | 1770599 | Salem, OR | $5.7M | 14 | 63.6% |
| #9 | Elaine Anderson | 487577 | Guild Mortgage Company LLC | 3274 | Pendleton, OR | $3.9M | 14 | 77.8% |
| #12 | Miles Rusth | 84660 | Summit Mortgage Corporation | 3236 | Portland, OR | $7.3M | 13 | 68.4% |
| #12 | Scott DeWitt | 971451 | loanDepot.com, LLC | 174457 | Eugene, OR | $3.7M | 13 | 56.5% |
| #12 | adam moshofsky | 227695 | Mortgage Express, LLC | 40831 | Bend, OR | $6.6M | 13 | 56.5% |
| #15 | Julia Felsman | 120831 | Guaranteed Rate, Inc. | 2611 | Vancouver, WA | $6.0M | 12 | 30.8% |
| #16 | Nikole Potulsky | 1832391 | TWO RIVERS MORTGAGE, LLC | 1647999 | Clackamas, OR | $4.8M | 11 | 84.6% |
| #16 | Cherie Smith | 570248 | Guild Mortgage Company LLC | 3274 | Redmond, OR | $4.0M | 11 | 64.7% |
| #16 | Brian McElligott | 501366 | COLUMBIA BANK | 401867 | Albany, OR | $4.6M | 11 | 73.3% |
| #16 | Andrew Harris | 124161 | Vantage Mortgage Group, Inc. | 35986 | Lake Oswego, OR | $5.7M | 11 | 64.7% |
| #16 | Brennan Layne | 1848580 | Guild Mortgage Company LLC | 3274 | Bend, OR | $3.9M | 11 | 100.0% |
| #21 | Stephen Bowdon | 583034 | Guild Mortgage Company LLC | 3274 | Vancouver, WA | $5.7M | 10 | 47.6% |
| #21 | Aaron Callahan | 887764 | Callahan Consulting, Inc. | 2369027 | Bend, OR | $5.8M | 10 | 55.6% |
| #21 | Jason Fleming | 1858197 | Better Mortgage Corporation | 330511 | New York, NY | $5.0M | 10 | 62.5% |
| #21 | Laurance Wisher | 50673 | Union Home Mortgage Corp. | 2229 | Tigard, OR | $4.4M | 10 | 83.3% |
| #21 | Stephen Mora | 404066 | Guaranteed Rate, Inc. | 2611 | Bend, OR | $6.1M | 10 | 71.4% |
| #21 | Katherine Hamm | 185848 | Guild Mortgage Company LLC | 3274 | Portland, OR | $5.1M | 10 | 76.9% |
| #27 | Patrick Fox | 199779 | Union Home Mortgage Corp. | 2229 | Tigard, OR | $7.4M | 9 | 60.0% |
| #27 | James Swift | 2060886 | Synergy One Lending, Inc. | 1907235 | Salem, OR | $4.2M | 9 | 50.0% |
| #27 | Samuel Jurgenson | 1939430 | ALAMEDA MORTGAGE CORPORATION | 271603 | Portland, OR | $4.2M | 9 | 60.0% |
| #27 | David Kroger | 404648 | CrossCountry Mortgage, LLC | 3029 | Lake Oswego, OR | $8.6M | 9 | 81.8% |
| #27 | Michael Leland | 53011 | Mortgage Trust, Inc. | 3250 | Portland, OR | $4.8M | 9 | 75.0% |
| #27 | Vincent Patrick | 406307 | CMG Mortgage, Inc. | 1820 | Clackamas, OR | $3.4M | 9 | 90.0% |
| #27 | Jessica Lopez-Urizar | 1542862 | U.S. Bank National Association | 402761 | Lake Oswego, OR | $2.6M | 9 | 90.0% |
| #27 | Chelsea Rist | 820608 | KeyBank National Association | 399797 | Tualatin, OR | $5.1M | 9 | 90.0% |
| #27 | Cristina Stanek | 445518 | Secure Choice Lending | 1689518 | Bend, OR | $4.7M | 9 | 69.2% |
| #36 | Gregory Cross | 222493 | Golden Empire Mortgage, Inc. | 2427 | Astoria, OR | $3.0M | 8 | 61.5% |
| #36 | Paul Marrs | 5212 | Premier Mortgage Resources, L.L.C. | 1169 | Portland, OR | $5.1M | 8 | 57.1% |
| #36 | Amberlee Merz | 914632 | Better Mortgage Corporation | 330511 | New York, NY | $2.8M | 8 | 61.5% |
| #36 | Michael Sullivan | 70593 | Capital M Lending, LLC | 69445 | Lake Oswego, OR | $3.5M | 8 | 57.1% |
| #36 | Stacy Schlesinger | 252075 | NW Processing Group Inc. | 251560 | Portland, OR | $3.5M | 8 | 80.0% |
| #36 | Mark Snow | 259960 | Select Lending Services LLC | 2027853 | Bend, OR | $3.2M | 8 | 66.7% |
| #36 | Vince Ventura | 9030 | Guild Mortgage Company LLC | 3274 | Salem, OR | $1.5M | 8 | 66.7% |
| #36 | Meagan Smith | 1238070 | Oregon Community Credit Union | 403502 | Eugene, OR | $3.5M | 8 | 66.7% |
| #36 | Stephanie Noble | 129002 | CrossCountry Mortgage, LLC | 3029 | Portland, OR | $3.9M | 8 | 20.5% |
| #36 | DAWN CARTER | 127668 | Guaranteed Rate, Inc. | 2611 | Lake Oswego, OR | $4.6M | 8 | 61.5% |
| #36 | Andrea Zundel | 1621972 | Guild Mortgage Company LLC | 3274 | Phoenix, OR | $2.7M | 8 | 40.0% |
| #36 | Shari McKay | 120409 | Guild Mortgage Company LLC | 3274 | Clackamas, OR | $2.5M | 8 | 80.0% |
| #36 | Andrew Varcak | 418900 | Newland Mortgage, Inc. | 1833416 | Haiku, HI | $4.9M | 8 | 50.0% |
| #49 | Landon Anson | 989118 | OnPoint Community Credit Union | 462268 | Hillsboro, OR | $3.5M | 7 | 70.0% |
| #49 | Amber Rowley | 829134 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | $2.9M | 7 | 58.3% |
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 — Oregon. Powered by MMI public record mortgage production data, accessed July 7, 2026. https://topmortgageoriginators.com/lo-leaderboard/oregon/top-retention-by-units
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