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 May 28, 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 | $11.1M | 25 | 67.6% |
| #9 | James Mason | 175106 | MDE Home Loans, LLC | 174912 | Red Bank, NJ | $13.5M | 23 | 32.4% |
| #9 | Brenna Eshbach | 1926309 | DIAMOND CREDIT UNION | 470316 | Pottstown, PA | $2.5M | 23 | 44.2% |
| #11 | Lori Rudalavage | 142504 | PS Bank | 486076 | Wyalusing, PA | $1.7M | 21 | 55.3% |
| #12 | Steve Matthews | 98657 | Keegan Mortgage Corporation | 55815 | Oreland, PA | $9.1M | 20 | 76.9% |
| #12 | Linda Wolfenson | 145511 | Guaranteed Rate, Inc. | 2611 | Ardmore, PA | $11.0M | 20 | 80.0% |
| #12 | Jennifer McKinsey | 590455 | Heritage Valley Federal Credit Union | 561255 | York, PA | $1.8M | 20 | 69.0% |
| #12 | Eric Bryce | 945783 | Guaranteed Rate, Inc. | 2611 | Ardmore, PA | $13.6M | 20 | 66.7% |
| #12 | Theresa Santiago-Parker | 135602 | CrossCountry Mortgage, LLC | 3029 | Woodbury, NJ | $6.4M | 20 | 41.7% |
| #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 | Jeremy Durkin | 146467 | CrossCountry Mortgage, LLC | 3029 | Plymouth Meeting, PA | $10.1M | 19 | 21.8% |
| #17 | John Antonelli | 132711 | Vantage Point Financial Group, Inc. | 141899 | Penllyn, PA | $7.6M | 19 | 33.9% |
| #21 | Eric Petransky | 1540389 | Guaranteed Rate, Inc. | 2611 | West Chester, PA | $6.7M | 18 | 75.0% |
| #21 | Joshua Vlajic | 789675 | Titan Federal Credit Union | 469478 | Pleasant Gap, PA | $1.2M | 18 | 85.7% |
| #23 | Andrew Cardina | 143174 | Guild Mortgage Company LLC | 3274 | Lancaster, PA | $5.7M | 17 | 24.3% |
| #23 | Jesse Gold | 1509916 | MortgageCountry, LLC | 1886361 | Blue Bell, PA | $8.1M | 17 | 68.0% |
| #23 | Kevin Downs | 141106 | Movement Mortgage, LLC | 39179 | York, PA | $5.1M | 17 | 58.6% |
| #23 | Nichole Grimm | 1116063 | Movement Mortgage, LLC | 39179 | Pittsburgh, PA | $5.8M | 17 | 51.5% |
| #27 | John Madden | 960748 | Capital Funding Mortgage Associates Inc | 960139 | Newtown, PA | $9.9M | 16 | 59.3% |
| #27 | Jian Wang | 103117 | Cityline Financial Group, LLC | 103025 | Chadds Ford, PA | $6.9M | 16 | 72.7% |
| #29 | Kevin Luchko | 409737 | Movement Mortgage, LLC | 39179 | Doylestown, PA | $6.9M | 15 | 75.0% |
| #29 | Justin Rosenal | 336744 | WesBanco Bank, Inc. | 399836 | wexford, PA | $4.0M | 15 | 53.6% |
| #29 | Chris Holzer | 1677369 | Upper Darby Belltelco Federal Credit Union | 196511 | Upper Darby, PA | $996K | 15 | 78.9% |
| #29 | Brenda Fiorenza | 478131 | Central Penn Bank & Trust | 407597 | Sunbury, PA | $1.2M | 15 | 75.0% |
| #29 | Michael Bower | 128567 | CMG Mortgage, Inc. | 1820 | Allentown, PA | $4.3M | 15 | 27.3% |
| #29 | Andrew Klimenko | 145807 | Lending Capital Group Inc | 1680087 | Huntingdon Valley, PA | $4.8M | 15 | 31.3% |
| #29 | Tyler Engle | 1146285 | GoodLeap, LLC | 30336 | Souderton, PA | $1.6M | 15 | 34.9% |
| #29 | David Brescoach | 404561 | Frick Financial Federal Credit Union | 479215 | Uniontown, PA | $781K | 15 | 60.0% |
| #29 | Stephen Gebhardt | 141390 | MoneyLine Lending LLC | 141356 | Camp Hill, PA | $4.0M | 15 | 34.1% |
| #29 | Joseph Hallinan | 13068 | Wilmington Savings Fund Society, FSB | 417673 | Bryn Mawr, PA | $8.7M | 15 | 53.6% |
| #29 | Matthew Lista | 449176 | American Heritage Federal Credit Union | 433838 | Philadelphia, PA | $595K | 15 | 36.6% |
| #29 | Eliana Lucumi Orostugui | 1471631 | Firstrust Savings Bank | 424205 | Allentown, PA | $769K | 15 | 62.5% |
| #29 | Stephanie Dyck | 528547 | Merck Sharp & Dohme Federal Credit Union | 473882 | Chalfont, PA | $1.4M | 15 | 39.5% |
| #29 | Sharif Sayed | 1273605 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $4.2M | 15 | 78.9% |
| #43 | Robert Wilson | 1309775 | Wilson Home Mortgage Corporation | 1769898 | Oakdale, PA | $4.4M | 14 | 66.7% |
| #43 | Randy Merchant | 140691 | JLB Corporation | 114937 | Cranberry Township, PA | $2.9M | 14 | 42.4% |
| #43 | Ryan Bowker | 777122 | Mon Valley Community Federal Credit Union | 583101 | Allenport, PA | $1.2M | 14 | 70.0% |
| #43 | Michael Walsh | 157281 | Prosperity Home Mortgage, LLC | 75164 | Malvern, PA | $7.6M | 14 | 34.1% |
| #47 | Kumar Bhargava Sista | 2369551 | The Mortgageist Inc. | 2710734 | Exton, PA | $6.2M | 13 | 21.0% |
| #47 | Timothy VandeBunte | 147297 | Sky Financial Services, Inc. | 141744 | Center Valley, PA | $5.9M | 13 | 48.1% |
| #47 | Amanda Michalczyk | 527975 | American Heritage Federal Credit Union | 433838 | Phila, PA | $765K | 13 | 24.5% |
| #47 | Ryan Erb | 1015157 | Citadel Federal Credit Union | 561846 | Grand Island, NE | $1.3M | 13 | 27.1% |
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 May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/pennsylvania/top-retention-by-units/2025
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