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 May 28, 2026, the top 3 include Dayna Horwitz (MortgageCountry, LLC, NMLS #2007537), Chris Holzer (Upper Darby Belltelco Federal Credit Union, NMLS #1677369), and Jennifer McKinsey (Heritage Valley Federal Credit Union, NMLS #590455).
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 | Jennifer McKinsey | 590455 | Heritage Valley Federal Credit Union | 561255 | York, PA | $1.2M | 17 | 73.9% |
| #3 | Tyler Engle | 1146285 | GoodLeap, LLC | 30336 | Souderton, PA | $1.9M | 17 | 42.5% |
| #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 | 45.5% |
| #8 | Jeremy Durkin | 146467 | CrossCountry Mortgage, LLC | 3029 | Plymouth Meeting, PA | $8.1M | 15 | 24.6% |
| #11 | Eduardo Mateo | 1882157 | loanDepot.com, LLC | 174457 | Camp Hill, PA | $166K | 14 | 87.5% |
| #12 | Kristin Derry | 1697293 | Heritage Valley Federal Credit Union | 561255 | York, PA | $1.2M | 13 | 72.2% |
| #12 | Stephanie Dyck | 528547 | Merck Sharp & Dohme Federal Credit Union | 473882 | Chalfont, PA | $1.2M | 13 | 65.0% |
| #12 | Amy Mraz | 993970 | CNB Bank | 410748 | Stroudsburg, PA | $858K | 13 | 68.4% |
| #12 | Bruce Kurtz | 783954 | Slovenian Savings and Loan Association of Canonsburg PA | 490487 | Strabane, PA | $933K | 13 | 61.9% |
| #12 | Brenna Eshbach | 1926309 | DIAMOND CREDIT UNION | 470316 | Pottstown, PA | $1.1M | 13 | 40.6% |
| #12 | Scott Gottshall | 143870 | Reliance Savings Bank | 684622 | Duncansville, PA | $898K | 13 | 81.3% |
| #18 | Kevin O'Laughlin | 1289348 | Movement Mortgage, LLC | 39179 | Pittsburgh, PA | $3.9M | 12 | 40.0% |
| #18 | Jeffrey Mountain | 1208144 | Movement Mortgage, LLC | 39179 | Sharpsburg, PA | $3.0M | 12 | 50.0% |
| #18 | Jason Breidinger | 1020123 | Mortgage America, Inc. | 128501 | Harrisburg, PA | $2.7M | 12 | 24.5% |
| #18 | Kevin Downs | 141106 | Movement Mortgage, LLC | 39179 | York, PA | $3.4M | 12 | 52.2% |
| #22 | Matthew Lista | 449176 | American Heritage Federal Credit Union | 433838 | Philadelphia, PA | $511K | 11 | 32.4% |
| #22 | Robert Wilson | 1309775 | Wilson Home Mortgage Corporation | 1769898 | Oakdale, PA | $3.9M | 11 | 78.6% |
| #22 | Robin Camp | 615484 | Central Penn Bank & Trust | 407597 | Middleburg, PA | $2.3M | 11 | 68.8% |
| #22 | Joshua Vlajic | 789675 | Titan Federal Credit Union | 469478 | Pleasant Gap, PA | $574K | 11 | 84.6% |
| #22 | Jesse Gold | 1509916 | MortgageCountry, LLC | 1886361 | Blue Bell, PA | $4.2M | 11 | 78.6% |
| #22 | John Madden | 960748 | Capital Funding Mortgage Associates Inc | 960139 | Newtown, PA | $4.7M | 11 | 64.7% |
| #28 | Erich Earhart | 143990 | Union Home Mortgage Corp. | 2229 | Royersford, PA | $2.8M | 10 | 58.8% |
| #28 | Matthew Haring | 134742 | JLB Corporation | 114937 | Cranberry Township, PA | $2.0M | 10 | 41.7% |
| #28 | David Brescoach | 404561 | Frick Financial Federal Credit Union | 479215 | Uniontown, PA | $447K | 10 | 71.4% |
| #28 | Eliana Lucumi Orostugui | 1471631 | Firstrust Savings Bank | 424205 | Allentown, PA | $340K | 10 | 43.5% |
| #28 | Benjamin Stucker | 168345 | Rates For Us, LLC | 1464766 | Newtown, PA | $4.7M | 10 | 45.5% |
| #33 | Theresa Santiago-Parker | 135602 | CrossCountry Mortgage, LLC | 3029 | Woodbury, NJ | $2.6M | 9 | 33.3% |
| #33 | Brian McCarthy | 1768807 | Union Home Mortgage Corp. | 2229 | Doylestown, PA | $3.1M | 9 | 52.9% |
| #33 | Mary Jo Snyder | 122061 | Central Penn Bank & Trust | 407597 | Selinsgrove, PA | $1.0M | 9 | 90.0% |
| #33 | Randy Merchant | 140691 | JLB Corporation | 114937 | Cranberry Township, PA | $2.1M | 9 | 37.5% |
| #33 | Joseph Hussey | 461747 | The Hussey Team, LLC | 1817389 | Conshohocken, PA | $3.0M | 9 | 60.0% |
| #33 | Ryan Erb | 1015157 | Citadel Federal Credit Union | 561846 | Grand Island, NE | $514K | 9 | 20.5% |
| #33 | Nicholas Fratini | 143047 | CMG Mortgage, Inc. | 1820 | West Chester, PA | $4.6M | 9 | 33.3% |
| #33 | Patrick Lopez | 138266 | Quaint Oak Mortgage, LLC | 211466 | Allentown, PA | $1.4M | 9 | 28.1% |
| #33 | Michele Yob | 423165 | BETHLEHEM 1ST FEDERAL CREDIT UNION | 416254 | Bethlehem, PA | $532K | 9 | 81.8% |
| #33 | Donna Partridge | 705330 | LANCO Federal Credit Union | 579510 | Lancaster, PA | $908K | 9 | 36.0% |
| #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 | 64.3% |
| #33 | Justin Rosenal | 336744 | WesBanco Bank, Inc. | 399836 | wexford, PA | $3.6M | 9 | 47.4% |
| #46 | EMMANUEL MARTE | 677011 | Community Bank, National Association | 446398 | Wilkes Barre, PA | $734K | 8 | 80.0% |
| #46 | MICHAEL KITTS | 478625 | Marquette Savings Bank | 449795 | Erie, PA | $411K | 8 | 57.1% |
| #46 | Megan Mangola | 1201265 | OMEGA Federal Credit Union | 445231 | Pittsburgh, PA | $387K | 8 | 61.5% |
| #46 | Sara Byrne | 645876 | PennCrest BANK | 441313 | Patton, PA | $320K | 8 | 66.7% |
| #46 | Jeffrey Giglio | 939521 | CrossCountry Mortgage, LLC | 3029 | Conshohocken, PA | $2.2M | 8 | 61.5% |
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 May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/pennsylvania/top-retention-by-units/2024
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