Retention champions in Indiana in 2023, ranked by total volume. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of October 11, 2026, the top 3 include Michelle Smekens (V.I.P. Mortgage, Inc., NMLS #277435), RYAN EBERHARDT (DIAMOND RESIDENTIAL MORTGAGE CORPORATION, NMLS #260832), and Sara Glass (Owen County State Bank, NMLS #763400).
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 | Michelle Smekens | 277435 | V.I.P. Mortgage, Inc. | 145502 | Fort Wayne, IN | $4.8M | 12 | 63.2% |
| #2 | RYAN EBERHARDT | 260832 | DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 186805 | Valparaiso, IN | $3.7M | 12 | 38.7% |
| #3 | Sara Glass | 763400 | Owen County State Bank | 518354 | Spencer, IN | $3.5M | 13 | 86.7% |
| #4 | Adam Fusselman | 658008 | The Bippus State Bank | 631974 | Huntington, IN | $3.2M | 11 | 25.0% |
| #5 | Alana Foster | 1326520 | Bedford Federal Savings Bank | 402489 | Bedford, IN | $3.2M | 15 | 53.6% |
| #6 | Tina Jackson | 1488228 | Owen County State Bank | 518354 | Spencer, IN | $3.2M | 10 | 66.7% |
| #7 | Logan Hainley | 1840636 | Heartland Mortgage Team Corp | 2556257 | Greenwood, IN | $3.1M | 14 | 70.0% |
| #8 | Crystal Wilson | 137742 | CME Lending Group LLC | 1248883 | Chesterton, IN | $3.1M | 12 | 52.2% |
| #9 | Michelle Adrian | 1014947 | FORUM Credit Union | 469848 | Fishers, IN | $3.0M | 15 | 57.7% |
| #10 | Brian Wieser | 1576094 | American Community Bank of Indiana | 440104 | Saint John, IN | $3.0M | 9 | 75.0% |
| #11 | Mark Barclay | 812412 | LNB Community Bank | 811379 | Boonville, IN | $2.8M | 24 | 88.9% |
| #12 | Robby Rud | 268277 | DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 186805 | Valparaiso, IN | $2.7M | 7 | 30.4% |
| #13 | Shelly Manzenberger | 1756239 | Bedford Federal Savings Bank | 402489 | Bedford, IN | $2.6M | 15 | 68.2% |
| #14 | Elizabeth McClellan | 1962690 | The Bippus State Bank | 631974 | — | $2.4M | 12 | 70.6% |
| #15 | Rex Betzner | 452822 | Logansport Savings Bank, FSB | 451323 | Logansport, IN | $2.4M | 12 | 100.0% |
| #16 | Patrick Kinder | 277042 | Fairway Independent Mortgage Corporation | 2289 | Fort Wayne, IN | $2.4M | 9 | 56.3% |
| #17 | Jennifer Schawitsch | 636202 | First Farmers Bank & Trust Co. | 478756 | Terre Haute, IN | $2.4M | 12 | 92.3% |
| #18 | Christopher Scheidler | 1132647 | The Napoleon State Bank | 648680 | Greensburg, IN | $2.3M | 7 | 50.0% |
| #19 | Jeremy Webster | 743640 | CentreBank | 411344 | Veedersburg, IN | $2.3M | 12 | 85.7% |
| #20 | David Peters | 609852 | Union Home Mortgage Corp. | 2229 | Indianapolis, IN | $2.3M | 8 | 61.5% |
| #21 | Joseph Darling | 425481 | The Peoples State Bank | 473222 | Bloomington, IN | $2.2M | 7 | 63.6% |
| #22 | Sherri Brock | 1326499 | Bedford Federal Savings Bank | 402489 | — | $2.1M | 11 | 55.0% |
| #23 | Eric Smothermon | 586065 | First Merchants Bank | 454552 | Fort Wayne, IN | $2.1M | 1 | 8.3% |
| #24 | Ryan Baumann | 664555 | Union Savings Bank | 446047 | Greenwood, IN | $2.0M | 6 | 54.5% |
| #25 | Ashley Ingram | 1327713 | Bedford Federal Savings Bank | 402489 | Bedford, IN | $2.0M | 8 | 66.7% |
| #26 | Steven Riha | 664588 | Union Savings Bank | 446047 | Indianapolis, IN | $1.8M | 7 | 70.0% |
| #27 | Kristy Mars | 609725 | Elements Financial Federal Credit Union | 410639 | Indianapolis, IN | $1.8M | 8 | 61.5% |
| #28 | James Metcalf | 205525 | CME Lending Group LLC | 1248883 | Chesterton, IN | $1.7M | 5 | 45.5% |
| #29 | Jeffery Dicus | 8289 | Freedom Bank | 407791 | Dale, IN | $1.7M | 10 | 90.9% |
| #30 | Douglas Lehman | 586063 | Three Rivers Federal Credit Union | 556303 | Fort Wayne, IN | $1.7M | 6 | 50.0% |
| #31 | TRAVIS HUNT | 1762791 | FARMERS & MERCHANTS STATE BANK, THE | 407535 | Geneva, IN | $1.6M | 6 | 54.5% |
| #32 | ADAM NAGELE | 1080977 | HOOSIER HEARTLAND STATE BANK | 463077 | Crawfordsville, IN | $1.6M | 11 | 78.6% |
| #33 | James Dix | 135621 | Flat Branch Mortgage, Inc. | 224149 | Fishers, IN | $1.6M | 6 | 33.3% |
| #34 | Navdeep Nagra | 177153 | Nationwide Mortgage Bankers, Inc. | 819382 | Melville, NY | $1.5M | 4 | 40.0% |
| #35 | Patricia Perez | 443903 | American Portfolio Mortgage Corporation | 175656 | Schererville, IN | $1.5M | 8 | 36.4% |
| #36 | Brian Huff | 543388 | Ruoff Mortgage Company, Inc. | 141868 | Anderson, IN | $1.5M | 13 | 44.8% |
| #37 | Corey Perez | 268265 | DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 186805 | — | $1.5M | 7 | 43.8% |
| #38 | Daniel Fowler | 136857 | CME Lending Group LLC | 1248883 | Chesterton, IN | $1.5M | 3 | 25.0% |
| #39 | Julia Moore | 399947 | First Federal Savings Bank | 399927 | Rochester, IN | $1.5M | 19 | 65.5% |
| #40 | Katherine Thorpe | 1162832 | FARMERS & MERCHANTS STATE BANK, THE | 407535 | Monroe, IN | $1.4M | 8 | 57.1% |
| #41 | Matthew Davis | 525371 | Union Home Mortgage Corp. | 2229 | Indianapolis, IN | $1.4M | 5 | 29.4% |
| #42 | JUDY HEFLIN | 413260 | FARMERS & MERCHANTS STATE BANK, THE | 407535 | Berne, IN | $1.4M | 7 | 58.3% |
| #43 | Jeremy Flatter | 555769 | FORUM Credit Union | 469848 | Fishers, IN | $1.3M | 10 | 35.7% |
| #44 | Cynthia Mattox | 521856 | Ruoff Mortgage Company, Inc. | 141868 | — | $1.3M | 5 | 38.5% |
| #45 | Daniel Taylor | 438572 | Fifth Third Bank, National Association | 403245 | Indianapolis, IN | $1.3M | 5 | 50.0% |
| #46 | Tina Bennett | 66985 | Fairway Independent Mortgage Corporation | 2289 | — | $1.3M | 5 | 50.0% |
| #47 | Michelle Jacinto | 209470 | Direct Mortgage Loans, LLC | 832799 | Saint John, IN | $1.3M | 7 | 11.7% |
| #48 | Jack Overy | 525374 | Guild Mortgage Company LLC | 3274 | Fishers, IN | $1.3M | 6 | 17.1% |
| #49 | Jonathan McKinnies | 226786 | CrossCountry Mortgage, LLC | 3029 | Cleveland, OH | $1.3M | 9 | 52.9% |
| #50 | Kevin Fortriede | 1179707 | Union Savings Bank | 446047 | Fort Wayne, IN | $1.2M | 4 | 40.0% |
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 Volume — Indiana (2023). Powered by MMI public record mortgage production data, accessed October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/indiana/top-retention-by-volume/2023
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