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 August 27, 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 | 21.7% |
| #3 | Brenda Fiorenza | 478131 | Central Penn Bank & Trust | 407597 | Sunbury, PA | $1.8M | 18 | 64.3% |
| #3 | Peter Palumbo | 1632570 | Penn Community Bank | 434939 | Perkasie, PA | $1.9M | 18 | 90.0% |
| #3 | Rajeev Gandhi | 68641 | SI Mortgage Company | 68434 | Sterling Heights, MI | $6.1M | 18 | 81.8% |
| #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 | 29.3% |
| #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 | 55.2% |
| #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 | Joseph Panepresso | 133551 | Philadelphia Mortgage Company, Inc. | 1794507 | Ambler, PA | $3.3M | 13 | 48.1% |
| #15 | Nicholas Fratini | 143047 | CMG Mortgage, Inc. | 1820 | West Chester, PA | $4.8M | 13 | 32.5% |
| #15 | Justin Rosenal | 336744 | WesBanco Bank, Inc. | 399836 | wexford, PA | $3.5M | 13 | 31.7% |
| #15 | Nancy Cimino | 1787349 | Penn Community Bank | 434939 | Perkasie, PA | $1.8M | 13 | 72.2% |
| #15 | Kelly Felix | 408609 | Reliance Savings Bank | 684622 | State College, PA | $3.6M | 13 | 56.5% |
| #20 | Jeremy Durkin | 146467 | CrossCountry Mortgage, LLC | 3029 | Plymouth Meeting, PA | $3.6M | 12 | 11.7% |
| #20 | Edward Bonanno | 138851 | Acre Mortgage & Financial, Inc. | 13988 | Philadelphia, PA | $2.1M | 12 | 23.1% |
| #20 | Patrick Lopez | 138266 | Quaint Oak Mortgage, LLC | 211466 | Allentown, PA | $1.1M | 12 | 25.5% |
| #20 | John Antonelli | 132711 | Vantage Point Financial Group, Inc. | 141899 | Penllyn, PA | $2.5M | 12 | 19.4% |
| #20 | Chris Holzer | 1677369 | Upper Darby Belltelco Federal Credit Union | 196511 | Upper Darby, PA | $853K | 12 | 66.7% |
| #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% |
| #20 | Matthew Haring | 134742 | JLB Corporation | 114937 | Cranberry Township, PA | $2.0M | 12 | 52.2% |
| #20 | Mark Pontz | 33151 | loanDepot.com, LLC | 174457 | Lancaster, PA | $2.6M | 12 | 48.0% |
| #29 | Theresa Santiago-Parker | 135602 | CrossCountry Mortgage, LLC | 3029 | Woodbury, NJ | $2.7M | 11 | 29.7% |
| #29 | Angela Tobin | 133633 | Radius Financial Group Inc. | 1846 | Plymouth Meeting, PA | $3.1M | 11 | 52.4% |
| #29 | Emmanuel Marte | 677011 | Manufacturers and Traders Trust Company | 381076 | Bethlehem, PA | $1.2M | 11 | 100.0% |
| #29 | Shawn Morrow | 199548 | New American Funding, LLC | 6606 | Mc Kees Rocks, PA | $2.1M | 11 | 45.8% |
| #29 | Timothy Gray | 141403 | Princeton Financial, LLC | 127923 | Carnegie, PA | $5.3M | 11 | 39.3% |
| #29 | Mary Wozniak | 1381396 | FREEDOM CREDIT UNION | 408456 | — | $782K | 11 | 14.3% |
| #29 | Robert DiGiulio | 188387 | MORTGAGE NOW, INC. | 117338 | Apollo Beach, FL | $2.2M | 11 | 55.0% |
| #29 | Joyce Park | 770955 | Community State Bank of Orbisonia | 655264 | — | $933K | 11 | 73.3% |
| #29 | Stacey Russell | 1480563 | JOURNEY BANK | 410779 | Muncy, PA | $1.3M | 11 | 78.6% |
| #29 | Kathleen Heimbach | 582797 | CITIZENS & NORTHERN BANK | 417201 | Troy, PA | $1.3M | 11 | 84.6% |
| #29 | Virginia Taylor | 754251 | Clearview Federal Credit Union | 612453 | Moon Township, PA | $1.1M | 11 | 36.7% |
| #29 | Brandon Bailey | 236489 | MAGNUM OPUS FEDERAL CORPORATION | 890454 | Houston, TX | $2.8M | 11 | 52.4% |
| #41 | Erich Earhart | 143990 | Union Home Mortgage Corp. | 2229 | Royersford, PA | $2.4M | 10 | 52.6% |
| #41 | Angela Colloi | 144892 | Mortgage America, Inc. | 128501 | Plymouth Meeting, PA | $2.1M | 10 | 32.3% |
| #41 | Lonnie Cooper | 24432 | The Rate Kings Mortgage LLC | 205171 | West Chester, PA | $3.4M | 10 | 27.8% |
| #41 | Jeffrey Kraus | 128571 | Mortgage America, Inc. | 128501 | Gilbertsville, PA | $2.2M | 10 | 21.3% |
| #41 | Sandra Gerringer | 795440 | Benchmark Federal Credit Union | 648586 | — | $3.0M | 10 | 100.0% |
| #41 | Lori Rudalavage | 142504 | PS Bank | 486076 | Wyalusing, PA | $1.5M | 10 | 22.7% |
| #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 | Timothy Nogowski | 73964 | Hatboro Federal Savings | 662952 | Hatboro, PA | $1.0M | 10 | 38.5% |
| #50 | Kathlene Bower | 487860 | JOURNEY BANK | 410779 | — | $2.0M | 9 | 81.8% |
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 August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/pennsylvania/top-retention-by-units/2022
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