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 August 27, 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 | $10.6M | 21 | 87.5% |
| #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 | Nicholas DeJesus | 1541748 | Planet Home Lending, LLC | 17022 | Bethlehem, PA | $3.9M | 16 | 72.7% |
| #5 | Brenda Fiorenza | 478131 | Central Penn Bank & Trust | 407597 | Sunbury, PA | $1.7M | 16 | 64.0% |
| #5 | Kumar Bhargava Sista | 2369551 | The Mortgageist Inc. | 2710734 | Exton, PA | $8.8M | 16 | 76.2% |
| #8 | Matthew Mergo | 563819 | Forest Hills Mortgage, LLC | 1982611 | Neptune Beach, FL | $6.9M | 15 | 68.2% |
| #8 | Lori Rudalavage | 142504 | PS Bank | 486076 | Wyalusing, PA | $2.0M | 15 | 44.1% |
| #8 | Jeremy Durkin | 146467 | CrossCountry Mortgage, LLC | 3029 | Plymouth Meeting, PA | $8.1M | 15 | 24.2% |
| #11 | Scott Gottshall | 143870 | Reliance Savings Bank | 684622 | Duncansville, PA | $963K | 14 | 82.4% |
| #11 | Eduardo Mateo | 1882157 | loanDepot.com, LLC | 174457 | Camp Hill, PA | $166K | 14 | 87.5% |
| #13 | Stephanie Dyck | 528547 | Merck Sharp & Dohme Federal Credit Union | 473882 | Chalfont, PA | $1.2M | 13 | 65.0% |
| #13 | Brenna Eshbach | 1926309 | DIAMOND FEDERAL CREDIT UNION | 470316 | Pottstown, PA | $1.1M | 13 | 40.6% |
| #13 | Amy Mraz | 993970 | CNB Bank | 410748 | Stroudsburg, PA | $858K | 13 | 68.4% |
| #13 | Bruce Kurtz | 783954 | Slovenian Savings and Loan Association of Canonsburg PA | 490487 | Strabane, PA | $933K | 13 | 65.0% |
| #13 | Kristin Derry | 1697293 | Heritage Valley Federal Credit Union | 561255 | York, PA | $1.2M | 13 | 72.2% |
| #18 | Kevin O'Laughlin | 1289348 | Movement Mortgage, LLC | 39179 | Pittsburgh, PA | $3.9M | 12 | 40.0% |
| #18 | Kevin Downs | 141106 | Movement Mortgage, LLC | 39179 | York, PA | $3.4M | 12 | 52.2% |
| #18 | Jason Breidinger | 1020123 | Mortgage America, Inc. | 128501 | Harrisburg, PA | $2.7M | 12 | 24.0% |
| #18 | Jeffrey Mountain | 1208144 | Movement Mortgage, LLC | 39179 | Sharpsburg, PA | $3.0M | 12 | 50.0% |
| #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% |
| #22 | Matthew Haring | 134742 | JLB Corporation | 114937 | Cranberry Township, PA | $2.2M | 11 | 44.0% |
| #22 | Jesse Gold | 1509916 | MortgageCountry, LLC | 1886361 | Blue Bell, PA | $4.2M | 11 | 78.6% |
| #22 | Robin Camp | 615484 | Central Penn Bank & Trust | 407597 | Middleburg, PA | $2.3M | 11 | 68.8% |
| #29 | Erich Earhart | 143990 | Union Home Mortgage Corp. | 2229 | Royersford, PA | $2.8M | 10 | 58.8% |
| #29 | Ryan Erb | 1015157 | Citadel Federal Credit Union | 561846 | Grand Island, NE | $581K | 10 | 21.7% |
| #29 | Eliana Lucumi Orostugui | 1471631 | Univest Bank and Trust Co. | 415882 | Souderton, PA | $340K | 10 | 43.5% |
| #29 | Benjamin Stucker | 168345 | Rates For Us, LLC | 1464766 | Newtown, PA | $4.7M | 10 | 45.5% |
| #33 | Jeffrey Angelucci | 134092 | Guaranteed Rate, Inc. | 2611 | Philadelphia, PA | $4.4M | 9 | 39.1% |
| #33 | Patrick Lopez | 138266 | Quaint Oak Mortgage, LLC | 211466 | Allentown, PA | $1.4M | 9 | 28.1% |
| #33 | Mary Jo Snyder | 122061 | Central Penn Bank & Trust | 407597 | Selinsgrove, PA | $1.0M | 9 | 90.0% |
| #33 | William Richmond | 148723 | Union Savings Bank | 446047 | Pittsburgh, PA | $2.2M | 9 | 90.0% |
| #33 | Randy Merchant | 140691 | JLB Corporation | 114937 | Cranberry Township, PA | $2.1M | 9 | 36.0% |
| #33 | Megan Mangola | 1201265 | OMEGA Federal Credit Union | 445231 | Pittsburgh, PA | $494K | 9 | 64.3% |
| #33 | Justin Rosenal | 336744 | WesBanco Bank, Inc. | 399836 | wexford, PA | $3.6M | 9 | 50.0% |
| #33 | Nicholas Fratini | 143047 | CMG Mortgage, Inc. | 1820 | West Chester, PA | $4.6M | 9 | 33.3% |
| #33 | Theresa Santiago-Parker | 135602 | CrossCountry Mortgage, LLC | 3029 | Woodbury, NJ | $2.6M | 9 | 33.3% |
| #33 | Joseph Hussey | 461747 | The Hussey Team, LLC | 1817389 | Conshohocken, PA | $3.0M | 9 | 60.0% |
| #33 | Brian McCarthy | 1768807 | Union Home Mortgage Corp. | 2229 | Doylestown, PA | $3.1M | 9 | 52.9% |
| #33 | Michele Yob | 423165 | BETHLEHEM 1ST FEDERAL CREDIT UNION | 416254 | Bethlehem, PA | $532K | 9 | 81.8% |
| #33 | David Brescoach | 404561 | Frick Financial Federal Credit Union | 479215 | Uniontown, PA | $392K | 9 | 69.2% |
| #33 | Donna Partridge | 705330 | LANCO Federal Credit Union | 579510 | Lancaster, PA | $908K | 9 | 36.0% |
| #33 | Jeffrey Giglio | 939521 | CrossCountry Mortgage, LLC | 3029 | Conshohocken, PA | $2.8M | 9 | 64.3% |
| #48 | MICHAEL KITTS | 478625 | Marquette Savings Bank | 449795 | Erie, PA | $411K | 8 | 57.1% |
| #48 | Ann Crone | 113174 | NEW CUMBERLAND FEDERAL CREDIT UNION | 447184 | — | $611K | 8 | 66.7% |
| #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 August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/pennsylvania/top-retention-by-units/2024
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