Retention champions in Pennsylvania in 2024, 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 Dayna Horwitz (MortgageCountry, LLC, NMLS #2007537), Chris Holzer (Upper Darby Belltelco Federal Credit Union, NMLS #1677369), and Tyler Engle (GoodLeap, LLC, NMLS #1146285).
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 | Dayna Horwitz | 2007537 | MortgageCountry, LLC | 1886361 | Blue Bell, PA | $9.4M | 20 | 87.0% |
| #2 | Chris Holzer | 1677369 | Upper Darby Belltelco Federal Credit Union | 196511 | Upper Darby, PA | $1.4M | 18 | 75.0% |
| #3 | Tyler Engle | 1146285 | GoodLeap, LLC | 30336 | Souderton, PA | $1.9M | 17 | 41.5% |
| #3 | Jennifer McKinsey | 590455 | Heritage Valley Federal Credit Union | 561255 | York, PA | $1.2M | 17 | 73.9% |
| #5 | Brenda Fiorenza | 478131 | Central Penn Bank & Trust | 407597 | Sunbury, PA | $1.7M | 16 | 61.5% |
| #5 | Nicholas DeJesus | 1541748 | Planet Home Lending, LLC | 17022 | Bethlehem, PA | $3.9M | 16 | 72.7% |
| #5 | Kumar Bhargava Sista | 2369551 | The Mortgageist Inc. | 2710734 | Exton, PA | $8.8M | 16 | 76.2% |
| #8 | Lori Rudalavage | 142504 | PS Bank | 486076 | Wyalusing, PA | $2.0M | 15 | 45.5% |
| #8 | Jeremy Durkin | 146467 | CrossCountry Mortgage, LLC | 3029 | Plymouth Meeting, PA | $8.1M | 15 | 24.2% |
| #8 | Matthew Mergo | 563819 | Forest Hills Mortgage, LLC | 1982611 | Neptune Beach, FL | $6.9M | 15 | 68.2% |
| #11 | Eduardo Mateo | 1882157 | loanDepot.com, LLC | 174457 | Camp Hill, PA | $166K | 14 | 87.5% |
| #12 | Bruce Kurtz | 783954 | Slovenian Savings and Loan Association of Canonsburg PA | 490487 | Strabane, PA | $933K | 13 | 65.0% |
| #12 | Brenna Eshbach | 1926309 | DIAMOND FEDERAL CREDIT UNION | 470316 | Pottstown, PA | $1.1M | 13 | 40.6% |
| #12 | Amy Mraz | 993970 | CNB Bank | 410748 | Stroudsburg, PA | $858K | 13 | 68.4% |
| #12 | Stephanie Dyck | 528547 | Merck Sharp & Dohme Federal Credit Union | 473882 | Chalfont, PA | $1.2M | 13 | 65.0% |
| #12 | Kristin Derry | 1697293 | Heritage Valley Federal Credit Union | 561255 | York, PA | $1.2M | 13 | 72.2% |
| #17 | Kevin Downs | 141106 | Movement Mortgage, LLC | 39179 | York, PA | $3.4M | 12 | 52.2% |
| #17 | Jason Breidinger | 1020123 | Mortgage America, Inc. | 128501 | Harrisburg, PA | $2.7M | 12 | 24.0% |
| #17 | Jeffrey Mountain | 1208144 | Movement Mortgage, LLC | 39179 | Sharpsburg, PA | $3.0M | 12 | 50.0% |
| #17 | Scott Gottshall | 143870 | Reliance Savings Bank | 684622 | Duncansville, PA | $765K | 12 | 80.0% |
| #17 | Kevin O'Laughlin | 1289348 | Movement Mortgage, LLC | 39179 | Pittsburgh, PA | $3.9M | 12 | 40.0% |
| #22 | Robin Camp | 615484 | Central Penn Bank & Trust | 407597 | Middleburg, PA | $2.3M | 11 | 68.8% |
| #22 | Jesse Gold | 1509916 | MortgageCountry, LLC | 1886361 | Blue Bell, PA | $4.2M | 11 | 78.6% |
| #22 | Matthew Lista | 449176 | American Heritage Federal Credit Union | 433838 | Philadelphia, PA | $511K | 11 | 32.4% |
| #22 | Joshua Vlajic | 789675 | Titan Federal Credit Union | 469478 | Pleasant Gap, PA | $574K | 11 | 84.6% |
| #22 | John Madden | 960748 | Capital Funding Mortgage Associates Inc | 960139 | Newtown, PA | $4.7M | 11 | 64.7% |
| #22 | Robert Wilson | 1309775 | Wilson Home Mortgage Corporation | 1769898 | Oakdale, PA | $3.9M | 11 | 78.6% |
| #28 | Benjamin Stucker | 168345 | Rates For Us, LLC | 1464766 | Newtown, PA | $4.7M | 10 | 45.5% |
| #28 | Matthew Haring | 134742 | JLB Corporation | 114937 | Cranberry Township, PA | $2.0M | 10 | 41.7% |
| #28 | Eliana Lucumi Orostugui | 1471631 | Univest Bank and Trust Co. | 415882 | Souderton, PA | $340K | 10 | 43.5% |
| #28 | David Brescoach | 404561 | Frick Financial Federal Credit Union | 479215 | Uniontown, PA | $447K | 10 | 71.4% |
| #28 | Erich Earhart | 143990 | Union Home Mortgage Corp. | 2229 | Royersford, PA | $2.8M | 10 | 58.8% |
| #33 | Randy Merchant | 140691 | JLB Corporation | 114937 | Cranberry Township, PA | $2.1M | 9 | 37.5% |
| #33 | Mary Jo Snyder | 122061 | Central Penn Bank & Trust | 407597 | Selinsgrove, PA | $1.0M | 9 | 90.0% |
| #33 | Nicholas Fratini | 143047 | CMG Mortgage, Inc. | 1820 | West Chester, PA | $4.6M | 9 | 33.3% |
| #33 | Jeffrey Giglio | 939521 | CrossCountry Mortgage, LLC | 3029 | Conshohocken, PA | $2.8M | 9 | 64.3% |
| #33 | Brian McCarthy | 1768807 | Union Home Mortgage Corp. | 2229 | Doylestown, PA | $3.1M | 9 | 52.9% |
| #33 | Jeffrey Angelucci | 134092 | Guaranteed Rate, Inc. | 2611 | Philadelphia, PA | $4.4M | 9 | 39.1% |
| #33 | Kelly Felix | 408609 | Reliance Savings Bank | 684622 | State College, PA | $549K | 9 | 60.0% |
| #33 | Patrick Lopez | 138266 | Quaint Oak Mortgage, LLC | 211466 | Allentown, PA | $1.4M | 9 | 28.1% |
| #33 | Joseph Hussey | 461747 | The Hussey Team, LLC | 1817389 | Conshohocken, PA | $3.0M | 9 | 60.0% |
| #33 | Justin Rosenal | 336744 | WesBanco Bank, Inc. | 399836 | wexford, PA | $3.6M | 9 | 47.4% |
| #33 | Donna Partridge | 705330 | LANCO Federal Credit Union | 579510 | Lancaster, PA | $908K | 9 | 36.0% |
| #33 | Megan Mangola | 1201265 | OMEGA Federal Credit Union | 445231 | Pittsburgh, PA | $494K | 9 | 64.3% |
| #33 | Theresa Santiago-Parker | 135602 | CrossCountry Mortgage, LLC | 3029 | Woodbury, NJ | $2.6M | 9 | 33.3% |
| #33 | Michele Yob | 423165 | BETHLEHEM 1ST FEDERAL CREDIT UNION | 416254 | Bethlehem, PA | $532K | 9 | 81.8% |
| #33 | Ryan Erb | 1015157 | Citadel Federal Credit Union | 561846 | Grand Island, NE | $514K | 9 | 20.0% |
| #48 | Ann Crone | 113174 | NEW CUMBERLAND FEDERAL CREDIT UNION | 447184 | — | $611K | 8 | 66.7% |
| #48 | Gregory Incardona | 136855 | Assurance Financial Group, L.L.C. | 70876 | Greensburg, PA | $1.6M | 8 | 61.5% |
| #48 | Sara Byrne | 645876 | PennCrest BANK | 441313 | Patton, PA | $320K | 8 | 66.7% |
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 — Pennsylvania (2024). Powered by MMI public record mortgage production data, accessed October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/pennsylvania/top-retention-by-units/2024
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