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 July 13, 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 | $1.5M | 26 | 76.5% |
| #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 | 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% |
| #3 | Brenda Fiorenza | 478131 | Central Penn Bank & Trust | 407597 | Sunbury, PA | $1.8M | 18 | 64.3% |
| #7 | Crista Lowrie | 460312 | First Citizens Community Bank | 401353 | Montgomeryville, PA | $3.4M | 17 | 29.3% |
| #7 | Stephen Gebhardt | 141390 | MoneyLine Lending LLC | 141356 | Camp Hill, PA | $3.4M | 17 | 25.0% |
| #9 | Scott Gottshall | 143870 | Reliance Savings Bank | 684622 | Duncansville, PA | $1.8M | 16 | 57.1% |
| #9 | Robin Camp | 615484 | Central Penn Bank & Trust | 407597 | Middleburg, PA | $3.6M | 16 | 69.6% |
| #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 | Christopher Poskin | 365068 | JLB Corporation | 114937 | — | $2.7M | 14 | 51.9% |
| #13 | Amy Mraz | 993970 | CNB Bank | 410748 | Stroudsburg, PA | $773K | 14 | 66.7% |
| #15 | Justin Rosenal | 336744 | WesBanco Bank, Inc. | 399836 | wexford, PA | $3.5M | 13 | 30.2% |
| #15 | Kelly Felix | 408609 | Reliance Savings Bank | 684622 | State College, PA | $3.6M | 13 | 56.5% |
| #15 | Joseph Panepresso | 133551 | Firstrust Savings Bank | 424205 | — | $3.3M | 13 | 48.1% |
| #15 | Nicholas Fratini | 143047 | CMG Mortgage, Inc. | 1820 | West Chester, PA | $4.8M | 13 | 32.5% |
| #15 | Nancy Cimino | 1787349 | Penn Community Bank | 434939 | Perkasie, PA | $1.8M | 13 | 72.2% |
| #20 | Mark Pontz | 33151 | loanDepot.com, LLC | 174457 | Lancaster, PA | $2.6M | 12 | 48.0% |
| #20 | Matthew Haring | 134742 | JLB Corporation | 114937 | Cranberry Township, PA | $2.0M | 12 | 52.2% |
| #20 | Chris Holzer | 1677369 | Upper Darby Belltelco Federal Credit Union | 196511 | Upper Darby, PA | $853K | 12 | 66.7% |
| #20 | Edward Bonanno | 138851 | Acre Mortgage & Financial, Inc. | 13988 | Philadelphia, PA | $2.1M | 12 | 23.1% |
| #20 | John Antonelli | 132711 | Vantage Point Financial Group, Inc. | 141899 | Penllyn, PA | $2.5M | 12 | 19.4% |
| #20 | EMMANUEL MARTE | 677011 | Community Bank, National Association | 446398 | Wilkes Barre, PA | $1.3M | 12 | 100.0% |
| #20 | Patrick Lopez | 138266 | Quaint Oak Mortgage, LLC | 211466 | Allentown, PA | $1.1M | 12 | 25.5% |
| #20 | Todd Hennessy | 133335 | CrossCountry Mortgage, LLC | 3029 | Plymouth Meeting, PA | $4.9M | 12 | 41.4% |
| #20 | Lisa Faretta | 730249 | Reliance Savings Bank | 684622 | Altoona, PA | $1.0M | 12 | 44.4% |
| #29 | Virginia Taylor | 754251 | Clearview Federal Credit Union | 612453 | Moon Township, PA | $1.1M | 11 | 36.7% |
| #29 | Joyce Park | 770955 | Community State Bank of Orbisonia | 655264 | — | $933K | 11 | 73.3% |
| #29 | Jeremy Durkin | 146467 | CrossCountry Mortgage, LLC | 3029 | Plymouth Meeting, PA | $2.9M | 11 | 10.8% |
| #29 | Theresa Santiago-Parker | 135602 | CrossCountry Mortgage, LLC | 3029 | Woodbury, NJ | $2.7M | 11 | 29.7% |
| #29 | Mary Wozniak | 1381396 | FREEDOM CREDIT UNION | 408456 | — | $782K | 11 | 14.3% |
| #29 | Shawn Morrow | 199548 | New American Funding, LLC | 6606 | Novi, MI | $2.1M | 11 | 45.8% |
| #29 | Brandon Bailey | 236489 | MAGNUM OPUS FEDERAL CORPORATION | 890454 | Houston, TX | $2.8M | 11 | 52.4% |
| #29 | Stacey Russell | 1480563 | JOURNEY BANK | 410779 | Muncy, PA | $1.3M | 11 | 78.6% |
| #29 | Angela Tobin | 133633 | Radius Financial Group Inc. | 1846 | Plymouth Meeting, PA | $3.1M | 11 | 52.4% |
| #29 | Robert DiGiulio | 188387 | Absolute Home Mortgage Corporation | 176743 | Apollo Beach, FL | $2.2M | 11 | 55.0% |
| #29 | Kathleen Heimbach | 582797 | CITIZENS & NORTHERN BANK | 417201 | Troy, PA | $1.3M | 11 | 84.6% |
| #29 | Timothy Gray | 141403 | Princeton Financial, LLC | 127923 | Carnegie, PA | $5.3M | 11 | 39.3% |
| #41 | Angela Colloi | 144892 | Mortgage America, Inc. | 128501 | Plymouth Meeting, PA | $2.1M | 10 | 32.3% |
| #41 | Lori Rudalavage | 142504 | PS Bank | 486076 | Wyalusing, PA | $1.5M | 10 | 22.7% |
| #41 | Sandra Gerringer | 795440 | Benchmark Federal Credit Union | 648586 | — | $3.0M | 10 | 100.0% |
| #41 | Timothy Nogowski | 73964 | Hatboro Federal Savings | 662952 | Hatboro, PA | $1.0M | 10 | 38.5% |
| #41 | Bradley Harford | 1167560 | First Commonwealth Federal Credit Union | 595144 | — | $1.1M | 10 | 83.3% |
| #41 | Jeffrey Kraus | 128571 | Mortgage America, Inc. | 128501 | Gilbertsville, PA | $2.2M | 10 | 21.3% |
| #41 | Lonnie Cooper | 24432 | The Rate Kings Mortgage LLC | 205171 | West Chester, PA | $3.4M | 10 | 27.8% |
| #41 | Erich Earhart | 143990 | Union Home Mortgage Corp. | 2229 | Royersford, PA | $2.4M | 10 | 52.6% |
| #41 | Garry Seidel | 528200 | Nova Financial & Investment Corporation | 3087 | Philadelphia, PA | $2.4M | 10 | 32.3% |
| #41 | Deborah Reed | 792699 | ARC Federal Credit Union | 780052 | Altoona, PA | $1.1M | 10 | 76.9% |
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 July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/pennsylvania/top-retention-by-units/2022
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