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 October 11, 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 | $17.8M | 38 | 88.4% |
| #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 | Wayne, PA | $10.6M | 24 | 66.7% |
| #9 | James Mason | 175106 | MDE Home Loans, LLC | 174912 | Red Bank, NJ | $13.5M | 23 | 32.4% |
| #9 | Brenna Eshbach | 1926309 | DIAMOND FEDERAL CREDIT UNION | 470316 | Pottstown, PA | $2.5M | 23 | 44.2% |
| #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 | 65.6% |
| #12 | Theresa Santiago-Parker | 135602 | CrossCountry Mortgage, LLC | 3029 | Woodbury, NJ | $6.9M | 21 | 42.0% |
| #14 | Jennifer McKinsey | 590455 | Heritage Valley Federal Credit Union | 561255 | York, PA | $1.8M | 20 | 69.0% |
| #14 | Steve Matthews | 98657 | Keegan Mortgage Corporation | 55815 | Oreland, PA | $9.1M | 20 | 76.9% |
| #14 | Linda Wolfenson | 145511 | Guaranteed Rate, Inc. | 2611 | Newtown, PA | $11.0M | 20 | 80.0% |
| #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% |
| #17 | Traci Multari | 146435 | JLB Corporation | 114937 | Cranberry Township, PA | $5.0M | 19 | 73.1% |
| #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 | 56.7% |
| #23 | Nichole Grimm | 1116063 | Movement Mortgage, LLC | 39179 | Pittsburgh, PA | $5.8M | 17 | 51.5% |
| #27 | Tyler Engle | 1146285 | GoodLeap, LLC | 30336 | Souderton, PA | $1.8M | 16 | 36.4% |
| #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% |
| #27 | Ryan Bowker | 777122 | Mon Valley Community Federal Credit Union | 583101 | Allenport, PA | $1.3M | 16 | 76.2% |
| #31 | Michael Bower | 128567 | CMG Mortgage, Inc. | 1820 | Allentown, PA | $4.3M | 15 | 26.8% |
| #31 | Matthew Lista | 449176 | American Heritage Federal Credit Union | 433838 | Philadelphia, PA | $595K | 15 | 36.6% |
| #31 | Chris Holzer | 1677369 | Upper Darby Belltelco Federal Credit Union | 196511 | Upper Darby, PA | $996K | 15 | 78.9% |
| #31 | Sharif Sayed | 1273605 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $4.2M | 15 | 78.9% |
| #31 | Justin Rosenal | 336744 | WesBanco Bank, Inc. | 399836 | wexford, PA | $4.0M | 15 | 53.6% |
| #31 | Joseph Hallinan | 13068 | Wilmington Savings Fund Society, FSB | 417673 | Bryn Mawr, PA | $8.7M | 15 | 53.6% |
| #31 | Andrew Klimenko | 145807 | Lending Capital Group Inc | 1680087 | Huntingdon Valley, PA | $4.8M | 15 | 31.3% |
| #31 | Kevin Luchko | 409737 | Movement Mortgage, LLC | 39179 | Doylestown, PA | $6.9M | 15 | 75.0% |
| #31 | Stephanie Dyck | 528547 | Merck Sharp & Dohme Federal Credit Union | 473882 | Chalfont, PA | $1.4M | 15 | 38.5% |
| #31 | Eliana Lucumi Orostugui | 1471631 | Univest Bank and Trust Co. | 415882 | Souderton, PA | $769K | 15 | 62.5% |
| #31 | Brenda Fiorenza | 478131 | Central Penn Bank & Trust | 407597 | Sunbury, PA | $1.2M | 15 | 75.0% |
| #31 | Stephen Gebhardt | 141390 | MoneyLine Lending LLC | 141356 | Camp Hill, PA | $4.0M | 15 | 34.1% |
| #43 | Robert Wilson | 1309775 | Wilson Home Mortgage Corporation | 1769898 | Oakdale, PA | $4.2M | 14 | 63.6% |
| #43 | Randy Merchant | 140691 | JLB Corporation | 114937 | Cranberry Township, PA | $2.9M | 14 | 40.0% |
| #43 | Michael Walsh | 157281 | Prosperity Home Mortgage, LLC | 75164 | Malvern, PA | $7.6M | 14 | 33.3% |
| #46 | David Brescoach | 404561 | Frick Financial Federal Credit Union | 479215 | Uniontown, PA | $709K | 13 | 59.1% |
| #46 | Kumar Bhargava Sista | 2369551 | The Mortgageist Inc. | 2710734 | Exton, PA | $6.2M | 13 | 21.0% |
| #46 | Scott Gottshall | 143870 | Reliance Savings Bank | 684622 | Duncansville, PA | $1.7M | 13 | 72.2% |
| #46 | Ryan Erb | 1015157 | Citadel Federal Credit Union | 561846 | Grand Island, NE | $1.3M | 13 | 27.1% |
| #46 | Amanda Michalczyk | 527975 | American Heritage Federal Credit Union | 433838 | Phila, PA | $765K | 13 | 24.5% |
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 (2025). Powered by MMI public record mortgage production data, accessed October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/pennsylvania/top-retention-by-units/2025
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