Retention champions in Pennsylvania in 2025, 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 Matthew Mergo (Forest Hills Mortgage, LLC, NMLS #563819), Kevin O'Laughlin (Movement Mortgage, LLC, NMLS #1289348), and Benjamin Stucker (Rates For Us, LLC, NMLS #168345).
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 | Matthew Mergo | 563819 | Forest Hills Mortgage, LLC | 1982611 | Neptune Beach, FL | $17.4M | 37 | 88.1% |
| #2 | Kevin O'Laughlin | 1289348 | Movement Mortgage, LLC | 39179 | Pittsburgh, PA | $12.1M | 35 | 43.8% |
| #3 | Benjamin Stucker | 168345 | Rates For Us, LLC | 1464766 | Newtown, PA | $15.6M | 33 | 68.8% |
| #4 | Nicholas Fratini | 143047 | CMG Mortgage, Inc. | 1820 | West Chester, PA | $14.8M | 29 | 53.7% |
| #5 | Dayna Horwitz | 2007537 | MortgageCountry, LLC | 1886361 | Blue Bell, PA | $17.7M | 28 | 77.8% |
| #5 | Cynthia Jones | 1566250 | People First Federal Credit Union | 510017 | Allentown, PA | $2.3M | 28 | 68.3% |
| #7 | Nitya Enjamuri | 2594705 | SI Mortgage Company | 68434 | Parsippany, NJ | $14.4M | 26 | 78.8% |
| #8 | Mark Angelone | 1677476 | Movement Mortgage, LLC | 39179 | Doylestown, PA | $10.6M | 24 | 66.7% |
| #9 | Brenna Eshbach | 1926309 | DIAMOND CREDIT UNION | 470316 | Pottstown, PA | $2.5M | 23 | 44.2% |
| #9 | James Mason | 175106 | MDE Home Loans, LLC | 174912 | Red Bank, NJ | $13.5M | 23 | 31.9% |
| #11 | Lori Rudalavage | 142504 | PS Bank | 486076 | Wyalusing, PA | $1.7M | 22 | 57.9% |
| #12 | Eric Bryce | 945783 | Guaranteed Rate, Inc. | 2611 | Ardmore, PA | $14.0M | 21 | 63.6% |
| #12 | Theresa Santiago-Parker | 135602 | CrossCountry Mortgage, LLC | 3029 | Woodbury, NJ | $6.9M | 21 | 42.0% |
| #14 | Steve Matthews | 98657 | Keegan Mortgage Corporation | 55815 | Oreland, PA | $9.1M | 20 | 76.9% |
| #14 | Jennifer McKinsey | 590455 | Heritage Valley Federal Credit Union | 561255 | York, PA | $1.8M | 20 | 69.0% |
| #14 | Linda Wolfenson | 145511 | Guaranteed Rate, Inc. | 2611 | Ardmore, PA | $11.0M | 20 | 80.0% |
| #17 | Traci Multari | 146435 | JLB Corporation | 114937 | Cranberry Township, PA | $5.0M | 19 | 73.1% |
| #17 | Michael Riverso | 1934742 | Movement Mortgage, LLC | 39179 | Philadelphia, PA | $5.7M | 19 | 67.9% |
| #17 | John Antonelli | 132711 | Vantage Point Financial Group, Inc. | 141899 | Penllyn, PA | $7.6M | 19 | 34.5% |
| #17 | Jeremy Durkin | 146467 | CrossCountry Mortgage, LLC | 3029 | Plymouth Meeting, PA | $10.1M | 19 | 21.3% |
| #21 | Eric Petransky | 1540389 | Guaranteed Rate, Inc. | 2611 | West Chester, PA | $6.7M | 18 | 75.0% |
| #22 | Joshua Vlajic | 789675 | Titan Federal Credit Union | 469478 | Pleasant Gap, PA | $1.1M | 17 | 85.0% |
| #22 | Jesse Gold | 1509916 | MortgageCountry, LLC | 1886361 | Blue Bell, PA | $8.1M | 17 | 68.0% |
| #22 | Nichole Grimm | 1116063 | Movement Mortgage, LLC | 39179 | Pittsburgh, PA | $5.8M | 17 | 53.1% |
| #22 | Kevin Downs | 141106 | Movement Mortgage, LLC | 39179 | York, PA | $5.1M | 17 | 58.6% |
| #22 | Andrew Cardina | 143174 | Guild Mortgage Company LLC | 3274 | Lancaster, PA | $5.7M | 17 | 24.3% |
| #27 | Ryan Bowker | 777122 | Mon Valley Community Federal Credit Union | 583101 | Allenport, PA | $1.3M | 16 | 72.7% |
| #27 | Jian Wang | 103117 | Cityline Financial Group, LLC | 103025 | Chadds Ford, PA | $6.9M | 16 | 72.7% |
| #27 | John Madden | 960748 | Capital Funding Mortgage Associates Inc | 960139 | Newtown, PA | $9.9M | 16 | 59.3% |
| #30 | Michael Bower | 128567 | CMG Mortgage, Inc. | 1820 | Allentown, PA | $4.3M | 15 | 26.8% |
| #30 | Stephen Gebhardt | 141390 | MoneyLine Lending LLC | 141356 | Camp Hill, PA | $4.0M | 15 | 34.1% |
| #30 | Chris Holzer | 1677369 | Upper Darby Belltelco Federal Credit Union | 196511 | Upper Darby, PA | $996K | 15 | 78.9% |
| #30 | Joseph Hallinan | 13068 | Wilmington Savings Fund Society, FSB | 417673 | Bryn Mawr, PA | $8.7M | 15 | 53.6% |
| #30 | Tyler Engle | 1146285 | GoodLeap, LLC | 30336 | Souderton, PA | $1.6M | 15 | 34.9% |
| #30 | Kevin Luchko | 409737 | Movement Mortgage, LLC | 39179 | Doylestown, PA | $6.9M | 15 | 75.0% |
| #30 | Andrew Klimenko | 145807 | Lending Capital Group Inc | 1680087 | Huntingdon Valley, PA | $4.8M | 15 | 31.3% |
| #30 | Brenda Fiorenza | 478131 | Central Penn Bank & Trust | 407597 | Sunbury, PA | $1.2M | 15 | 75.0% |
| #30 | Justin Rosenal | 336744 | WesBanco Bank, Inc. | 399836 | wexford, PA | $4.0M | 15 | 53.6% |
| #30 | Matthew Lista | 449176 | American Heritage Federal Credit Union | 433838 | Philadelphia, PA | $595K | 15 | 36.6% |
| #30 | Sharif Sayed | 1273605 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $4.2M | 15 | 78.9% |
| #30 | Stephanie Dyck | 528547 | Merck Sharp & Dohme Federal Credit Union | 473882 | Chalfont, PA | $1.4M | 15 | 38.5% |
| #30 | Eliana Lucumi Orostugui | 1471631 | Univest Bank and Trust Co. | 415882 | Souderton, PA | $769K | 15 | 62.5% |
| #43 | Michael Walsh | 157281 | Prosperity Home Mortgage, LLC | 75164 | Malvern, PA | $7.6M | 14 | 34.1% |
| #43 | Randy Merchant | 140691 | JLB Corporation | 114937 | Cranberry Township, PA | $2.9M | 14 | 42.4% |
| #43 | David Brescoach | 404561 | Frick Financial Federal Credit Union | 479215 | Uniontown, PA | $754K | 14 | 60.9% |
| #46 | Ryan Erb | 1015157 | Citadel Federal Credit Union | 561846 | Grand Island, NE | $1.3M | 13 | 27.1% |
| #46 | Scott Gottshall | 143870 | Reliance Savings Bank | 684622 | Duncansville, PA | $1.7M | 13 | 72.2% |
| #46 | Thomas Mizgerd | 17815 | AMC FUNDING CORPORATION | 17843 | Bensalem, PA | $2.5M | 13 | 61.9% |
| #46 | Amanda Michalczyk | 527975 | American Heritage Federal Credit Union | 433838 | Phila, PA | $765K | 13 | 24.5% |
| #46 | Kumar Bhargava Sista | 2369551 | The Mortgageist Inc. | 2710734 | Exton, PA | $6.2M | 13 | 21.0% |
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 (2025). Powered by MMI public record mortgage production data, accessed July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/pennsylvania/top-retention-by-units/2025
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