Retention champions in Pennsylvania 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 David Brescoach (Frick Financial Federal Credit Union, NMLS #404561), Heather Dieckmann (SSB Bank, NMLS #141659), and Christopher Nein (Mortgage America, Inc., NMLS #128621).
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 | David Brescoach | 404561 | Frick Financial Federal Credit Union | 479215 | Uniontown, PA | $1.4M | 25 | 75.8% |
| #2 | Heather Dieckmann | 141659 | SSB Bank | 968584 | Pittsburgh, PA | $6.3M | 23 | 82.1% |
| #3 | Christopher Nein | 128621 | Mortgage America, Inc. | 128501 | Wyomissing, PA | $4.3M | 18 | 22.0% |
| #3 | Brenda Fiorenza | 478131 | Central Penn Bank & Trust | 407597 | Sunbury, PA | $1.8M | 18 | 64.3% |
| #3 | Rajeev Gandhi | 68641 | SI Mortgage Company | 68434 | Sterling Heights, MI | $6.1M | 18 | 81.8% |
| #3 | Peter Palumbo | 1632570 | Penn Community Bank | 434939 | Perkasie, PA | $1.9M | 18 | 90.0% |
| #7 | Stephen Gebhardt | 141390 | MoneyLine Lending LLC | 141356 | Camp Hill, PA | $3.4M | 17 | 25.0% |
| #7 | Crista Lowrie | 460312 | First Citizens Community Bank | 401353 | Montgomeryville, PA | $3.4M | 17 | 28.8% |
| #9 | Robin Camp | 615484 | Central Penn Bank & Trust | 407597 | Middleburg, PA | $3.6M | 16 | 69.6% |
| #9 | Scott Gottshall | 143870 | Reliance Savings Bank | 684622 | Duncansville, PA | $1.8M | 16 | 57.1% |
| #11 | Bruce Kurtz | 783954 | Slovenian Savings and Loan Association of Canonsburg PA | 490487 | Strabane, PA | $2.1M | 15 | 78.9% |
| #11 | Jason Breidinger | 1020123 | Mortgage America, Inc. | 128501 | Harrisburg, PA | $2.3M | 15 | 21.7% |
| #13 | Amy Mraz | 993970 | CNB Bank | 410748 | Stroudsburg, PA | $773K | 14 | 66.7% |
| #13 | Christopher Poskin | 365068 | JLB Corporation | 114937 | — | $2.7M | 14 | 51.9% |
| #15 | EMMANUEL MARTE | 677011 | Community Bank, National Association | 446398 | Wilkes Barre, PA | $1.3M | 13 | 100.0% |
| #15 | Nicholas Fratini | 143047 | CMG Mortgage, Inc. | 1820 | West Chester, PA | $4.8M | 13 | 32.5% |
| #15 | Joseph Panepresso | 133551 | Firstrust Savings Bank | 424205 | Horsham, PA | $3.3M | 13 | 48.1% |
| #18 | Kelly Felix | 408609 | Reliance Savings Bank | 684622 | State College, PA | $3.3M | 12 | 54.5% |
| #18 | Edward Bonanno | 138851 | Acre Mortgage & Financial, Inc. | 13988 | Philadelphia, PA | $2.1M | 12 | 23.5% |
| #18 | Mark Pontz | 33151 | loanDepot.com, LLC | 174457 | Lancaster, PA | $2.6M | 12 | 48.0% |
| #18 | Matthew Haring | 134742 | JLB Corporation | 114937 | Cranberry Township, PA | $2.0M | 12 | 52.2% |
| #18 | Chris Holzer | 1677369 | Upper Darby Belltelco Federal Credit Union | 196511 | Upper Darby, PA | $853K | 12 | 66.7% |
| #18 | Justin Rosenal | 336744 | WesBanco Bank, Inc. | 399836 | wexford, PA | $3.3M | 12 | 30.8% |
| #18 | Nancy Cimino | 1787349 | Penn Community Bank | 434939 | Perkasie, PA | $1.8M | 12 | 70.6% |
| #18 | Lisa Faretta | 730249 | Reliance Savings Bank | 684622 | Altoona, PA | $1.0M | 12 | 44.4% |
| #26 | Robert DiGiulio | 188387 | Absolute Home Mortgage Corporation | 176743 | Gaithersburg, MD | $2.2M | 11 | 55.0% |
| #26 | Mary Wozniak | 1381396 | FREEDOM CREDIT UNION | 408456 | — | $782K | 11 | 14.3% |
| #26 | Jeremy Durkin | 146467 | CrossCountry Mortgage, LLC | 3029 | Plymouth Meeting, PA | $3.1M | 11 | 10.7% |
| #26 | Stacey Russell | 1480563 | JOURNEY BANK | 410779 | Muncy, PA | $1.3M | 11 | 78.6% |
| #26 | John Antonelli | 132711 | Vantage Point Financial Group, Inc. | 141899 | Penllyn, PA | $2.2M | 11 | 18.6% |
| #26 | Todd Hennessy | 133335 | CrossCountry Mortgage, LLC | 3029 | Plymouth Meeting, PA | $4.3M | 11 | 39.3% |
| #26 | Timothy Gray | 141403 | Princeton Financial, LLC | 127923 | Carnegie, PA | $5.3M | 11 | 39.3% |
| #26 | Brandon Bailey | 236489 | MAGNUM OPUS FEDERAL CORPORATION | 890454 | Houston, TX | $2.8M | 11 | 52.4% |
| #26 | Shawn Morrow | 199548 | New American Funding, LLC | 6606 | Novi, MI | $2.1M | 11 | 45.8% |
| #26 | Theresa Santiago-Parker | 135602 | CrossCountry Mortgage, LLC | 3029 | Woodbury, NJ | $2.7M | 11 | 29.7% |
| #26 | Kathleen Heimbach | 582797 | CITIZENS & NORTHERN BANK | 417201 | Troy, PA | $1.3M | 11 | 84.6% |
| #26 | Patrick Lopez | 138266 | Quaint Oak Mortgage, LLC | 211466 | Allentown, PA | $830K | 11 | 23.9% |
| #26 | Virginia Taylor | 754251 | Clearview Federal Credit Union | 612453 | Moon Township, PA | $1.1M | 11 | 36.7% |
| #26 | Joyce Park | 770955 | Community State Bank of Orbisonia | 655264 | — | $933K | 11 | 73.3% |
| #26 | Angela Tobin | 133633 | Radius Financial Group Inc. | 1846 | Plymouth Meeting, PA | $3.1M | 11 | 52.4% |
| #41 | Lori Rudalavage | 142504 | PS Bank | 486076 | Wyalusing, PA | $1.5M | 10 | 22.7% |
| #41 | Jeffrey Kraus | 128571 | Mortgage America, Inc. | 128501 | Gilbertsville, PA | $2.2M | 10 | 22.2% |
| #41 | Timothy Nogowski | 73964 | Hatboro Federal Savings | 662952 | Hatboro, PA | $1.0M | 10 | 38.5% |
| #41 | Angela Colloi | 144892 | Mortgage America, Inc. | 128501 | Plymouth Meeting, PA | $2.1M | 10 | 32.3% |
| #41 | Deborah Reed | 792699 | ARC Federal Credit Union | 780052 | Altoona, PA | $1.1M | 10 | 83.3% |
| #41 | Lonnie Cooper | 24432 | The Rate Kings Mortgage LLC | 205171 | West Chester, PA | $3.4M | 10 | 27.8% |
| #41 | Garry Seidel | 528200 | Nova Financial & Investment Corporation | 3087 | Philadelphia, PA | $2.4M | 10 | 32.3% |
| #41 | Bradley Harford | 1167560 | First Commonwealth Federal Credit Union | 595144 | — | $1.1M | 10 | 83.3% |
| #41 | Sandra Gerringer | 795440 | Benchmark Federal Credit Union | 648586 | — | $3.0M | 10 | 100.0% |
| #50 | Monica Hamlin | 756097 | Washington Financial Bank | 486073 | McMurray, PA | $1.3M | 9 | 56.3% |
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 — Pennsylvania (2022). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/pennsylvania/top-retention-by-units/2022
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