Retention champions in Pennsylvania in 2023, ranked by total volume. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of July 13, 2026, the top 3 include Justin Rosenal (WesBanco Bank, Inc., NMLS #336744), Jeremy Durkin (CrossCountry Mortgage, LLC, NMLS #146467), and Craig Hummer (Members 1st Federal Credit Union, NMLS #663799).
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 | Justin Rosenal | 336744 | WesBanco Bank, Inc. | 399836 | wexford, PA | $4.2M | 16 | 69.6% |
| #2 | Jeremy Durkin | 146467 | CrossCountry Mortgage, LLC | 3029 | Plymouth Meeting, PA | $2.9M | 10 | 38.5% |
| #3 | Craig Hummer | 663799 | Members 1st Federal Credit Union | 504564 | Enola, PA | $2.4M | 5 | 33.3% |
| #4 | Heather Dieckmann | 141659 | SSB Bank | 968584 | Pittsburgh, PA | $2.3M | 10 | 55.6% |
| #5 | Brenda Fiorenza | 478131 | Central Penn Bank & Trust | 407597 | Sunbury, PA | $2.0M | 13 | 81.3% |
| #6 | Adam Slade | 132916 | US Mortgage Network | 132492 | Wexford, PA | $2.0M | 7 | 46.7% |
| #7 | ALTA CORMAN-WOLF | 476303 | Kish Bank | 459057 | State College, PA | $1.7M | 6 | 40.0% |
| #8 | Kevin Luchko | 409737 | Movement Mortgage, LLC | 39179 | Doylestown, PA | $1.7M | 5 | 41.7% |
| #9 | Robin Camp | 615484 | Central Penn Bank & Trust | 407597 | Middleburg, PA | $1.6M | 10 | 62.5% |
| #10 | Lori Rudalavage | 142504 | PS Bank | 486076 | Wyalusing, PA | $1.6M | 15 | 48.4% |
| #11 | Mark Canale | 1338355 | CrossCountry Mortgage, LLC | 3029 | Philadelphia, PA | $1.4M | 3 | 27.3% |
| #12 | David Brescoach | 404561 | Frick Financial Federal Credit Union | 479215 | Uniontown, PA | $1.3M | 28 | 77.8% |
| #13 | Donald Tiger | 136456 | CFSBank | 673368 | Seven Fields, PA | $1.3M | 4 | 28.6% |
| #14 | Kathleen Brown | 1330847 | ACNB BANK | 571116 | York, PA | $1.3M | 4 | 23.5% |
| #15 | Monica Hamlin | 756097 | Washington Financial Bank | 486073 | McMurray, PA | $1.3M | 7 | 58.3% |
| #16 | Mariya Pikovsky | 358534 | Supreme Mortgage, LLC | 2386479 | Huntingdon Valley, PA | $1.3M | 9 | 56.3% |
| #17 | Vicki Mardis | 543843 | AmeriChoice Federal Credit union | 485759 | — | $1.3M | 2 | 18.2% |
| #18 | Randy Merchant | 140691 | JLB Corporation | 114937 | Cranberry Township, PA | $1.3M | 5 | 26.3% |
| #19 | David Fuchs | 392924 | Guild Mortgage Company LLC | 3274 | Lancaster, PA | $1.2M | 3 | 25.0% |
| #20 | Paul Zgalich | 156843 | Guaranteed Rate, Inc. | 2611 | Conshohocken, PA | $1.2M | 6 | 19.4% |
| #21 | Christopher Romig | 783558 | CITIZENS & NORTHERN BANK | 417201 | Beaver Springs, PA | $1.2M | 13 | 59.1% |
| #22 | John Acton | 144429 | Radius Financial Group Inc. | 1846 | York, PA | $1.2M | 6 | 17.1% |
| #23 | Susan Graf | 756098 | Washington Financial Bank | 486073 | McMurray, PA | $1.2M | 11 | 68.8% |
| #24 | Kelly Goncher | 544154 | 1ST SUMMIT BANK | 407554 | Johnstown, PA | $1.2M | 6 | 42.9% |
| #25 | Jeffrey Kraus | 128571 | Mortgage America, Inc. | 128501 | Gilbertsville, PA | $1.1M | 4 | 15.4% |
| #26 | Mark Pontz | 33151 | loanDepot.com, LLC | 174457 | Lancaster, PA | $1.1M | 4 | 40.0% |
| #27 | Daniel Villagrana | 1644039 | The Federal Savings Bank | 411500 | Alexandria, VA | $1.0M | 5 | 33.3% |
| #28 | Janice Rudzinski | 1043087 | American Heritage Federal Credit Union | 433838 | Phila, PA | $1.0M | 2 | 11.8% |
| #29 | Kenneth Feinman | 186791 | CrossCountry Mortgage, LLC | 3029 | Allentown, PA | $1.0M | 2 | 6.7% |
| #30 | Deborah Meacham | 528471 | First Citizens Community Bank | 401353 | Wellsboro, PA | $997K | 6 | 50.0% |
| #31 | Matthew Haring | 134742 | JLB Corporation | 114937 | Cranberry Township, PA | $971K | 6 | 31.6% |
| #32 | Jason Breidinger | 1020123 | Mortgage America, Inc. | 128501 | Harrisburg, PA | $956K | 11 | 22.4% |
| #33 | EMMANUEL MARTE | 677011 | Community Bank, National Association | 446398 | Wilkes Barre, PA | $949K | 15 | 83.3% |
| #34 | Alex Luboff | 143925 | Prosperity Home Mortgage, LLC | 75164 | West Chester, PA | $945K | 3 | 8.3% |
| #35 | Stephen Rinaldi | 342291 | Rinaldi Group LLC | 2063288 | Media, PA | $930K | 2 | 15.4% |
| #36 | Doris Lindsey | 134053 | Cody Financial Mortgage Services, Inc. | 118776 | Mechanicsburg, PA | $904K | 4 | 15.4% |
| #37 | Michael Giglio | 939522 | CrossCountry Mortgage, LLC | 3029 | Conshohocken, PA | $899K | 3 | 18.8% |
| #38 | ANN MILLER | 463658 | Police and Fire Federal Credit Union | 800659 | Bensalem, PA | $889K | 9 | 13.8% |
| #39 | Garry Seidel | 528200 | Nova Financial & Investment Corporation | 3087 | Philadelphia, PA | $865K | 5 | 35.7% |
| #40 | Zeina Abi-Samra | 794549 | People First Federal Credit Union | 510017 | — | $863K | 12 | 52.2% |
| #41 | Luke Pickel | 143399 | Ixonia Bank | 423065 | Brookfield, WI | $829K | 3 | 25.0% |
| #42 | Kathlene Bower | 487860 | JOURNEY BANK | 410779 | — | $825K | 5 | 50.0% |
| #43 | Ellen Puchalsky | 404203 | New American Funding, LLC | 6606 | Camp Hill, PA | $810K | 1 | 6.7% |
| #44 | John Kearney | 1187124 | Farmers Bank | 680219 | Parsons, TN | $808K | 5 | 45.5% |
| #45 | Ian Twaddle | 145888 | UMortgage LLC | 1457759 | Philadelphia, PA | $785K | 2 | 18.2% |
| #46 | Linda Trifonas | 836558 | Movement Mortgage, LLC | 39179 | Doylestown, PA | $782K | 2 | 20.0% |
| #47 | Johnny Teahl | 1831068 | Lebanon Federal Credit Union | 408899 | Annville, PA | $777K | 6 | 46.2% |
| #48 | Rosemary Yanchek | 1668363 | Phoenixville Federal Bank and Trust | 450199 | Phoenixville, PA | $770K | 7 | 70.0% |
| #49 | Kelly Dixon | 770944 | Community State Bank of Orbisonia | 655264 | Huntingdon, PA | $770K | 7 | 53.8% |
| #50 | James Franco | 105918 | Homestead Funding Corp. | 3232 | Cranberry Twp, PA | $769K | 3 | 23.1% |
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 Volume — Pennsylvania (2023). Powered by MMI public record mortgage production data, accessed July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/pennsylvania/top-retention-by-volume/2023
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