Retention champions in Kentucky in 2022, 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 Jesse Cronen (Northpointe Bank, NMLS #8821), ROBERT SUETHOLZ (Guardian Savings Bank, NMLS #718136), and Charles Jolly (First State Bank, NMLS #613378).
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 | Jesse Cronen | 8821 | Northpointe Bank | 447490 | Louisville, KY | $13.9M | 46 | 61.3% |
| #2 | ROBERT SUETHOLZ | 718136 | Guardian Savings Bank | 449474 | Ft Wright, KY | $5.1M | 25 | 71.4% |
| #3 | Charles Jolly | 613378 | First State Bank | 460968 | Irvington, KY | $2.4M | 19 | 90.5% |
| #3 | Erica Sadler | 1111361 | Fifth Third Bank, National Association | 403245 | Georgetown, KY | $3.5M | 19 | 70.4% |
| #3 | Nikolas Powers | 1459059 | Meade County Bank, Inc. | 469802 | Brandenburg, KY | $4.9M | 19 | 76.0% |
| #6 | Arin Wagner | 1277378 | LIBERTY FEDERAL CREDIT UNION | 518136 | Henderson, KY | $1.4M | 16 | 59.3% |
| #7 | Tracy Kirby | 176365 | FRANKLIN BANK & TRUST COMPANY | 493995 | Franklin, KY | $2.4M | 13 | 81.3% |
| #7 | David Richardson | 1392540 | Fifth Third Bank, National Association | 403245 | — | $1.0M | 13 | 86.7% |
| #7 | William Murphy | 688518 | Guardian Savings Bank | 449474 | Ft Wright, KY | $2.8M | 13 | 68.4% |
| #10 | John Stokes | 1461771 | EDMONTON STATE BANK | 479226 | Bowling Green, KY | $2.8M | 12 | 54.5% |
| #11 | Dustin Mistelske | 1009890 | Northpointe Bank | 447490 | Louisville, KY | $2.0M | 11 | 57.9% |
| #11 | HOLLY STRADLING | 718119 | Guardian Savings Bank | 449474 | Ft Wright, KY | $1.5M | 11 | 52.4% |
| #11 | Jonathan Leslie | 66661 | LIBERTY FEDERAL CREDIT UNION | 518136 | Prospect, KY | $8.5M | 11 | 47.8% |
| #11 | Jennifer McKinney | 106135 | InterLinc Mortgage Services, LLC | 205696 | Louisville, KY | $2.4M | 11 | 50.0% |
| #11 | Regena Hinton | 768707 | THE CITIZENS NATIONAL BANK OF SOMERSET | 416673 | — | $2.6M | 11 | 91.7% |
| #16 | TERRI RAINWATER | 651155 | FIRST UNITED BANK AND TRUST COMPANY, INC. | 498528 | Madisonville, KY | $1.6M | 10 | 62.5% |
| #16 | Keri Jones | 419193 | Republic Bank & Trust Co. | 402606 | Louisville, KY | $1.8M | 10 | 47.6% |
| #16 | Joseph Morel | 1517415 | FRANKLIN BANK & TRUST COMPANY | 493995 | Franklin, KY | $3.0M | 10 | 58.8% |
| #16 | Brooke Smith | 425779 | Fifth Third Bank, National Association | 403245 | Frankfort, KY | $798K | 10 | 76.9% |
| #16 | Shana Gray | 636001 | FIRST UNITED BANK AND TRUST COMPANY, INC. | 498528 | Madisonville, KY | $2.1M | 10 | 62.5% |
| #21 | Craig Stahl | 629706 | American Bank & Trust Company, Inc. | 554114 | Bowling Green, KY | $2.3M | 9 | 60.0% |
| #21 | Larry Swisher | 4568 | Statewide Mortgage, LLC | 1304 | Louisville, KY | $1.7M | 9 | 29.0% |
| #21 | JASON LEONHARD | 718151 | Guardian Savings Bank | 449474 | Florence, KY | $1.5M | 9 | 45.0% |
| #21 | Kristen Barr | 1272133 | Meade County Bank, Inc. | 469802 | Brandenburg, KY | $1.6M | 9 | 75.0% |
| #21 | Kenneth Flieger | 1474383 | HomeShield Mortgage, LLC | 2516887 | Louisville, KY | $2.1M | 9 | 52.9% |
| #21 | William Pierce | 38722 | NEXA Mortgage, LLC | 1660690 | Mesa, AZ | $3.1M | 9 | 69.2% |
| #21 | JONATHAN TINGLE II | 718170 | Guardian Savings Bank | 449474 | Lexington, KY | $2.7M | 9 | 90.0% |
| #21 | Amy Ryan | 1760355 | West Point Bank | 460715 | Elizabethtown, KY | $2.6M | 9 | 52.9% |
| #29 | Thomas Thomas | 657783 | First Financial Bank | 619717 | Saint Matthews, KY | $4.5M | 8 | 50.0% |
| #29 | James Buchanon | 419159 | Republic Bank & Trust Co. | 402606 | Louisville, KY | $5.0M | 8 | 80.0% |
| #29 | Ethan Madison | 1543821 | Meade County Bank, Inc. | 469802 | Brandenburg, KY | $2.1M | 8 | 61.5% |
| #29 | Craig Spencer | 59391 | New American Funding, LLC | 6606 | Louisville, KY | $1.4M | 8 | 57.1% |
| #29 | David Vu | 706247 | Heritage Bank, Inc | 799554 | Florence, KY | $3.2M | 8 | 40.0% |
| #34 | Jason Deller | 861531 | Guardian Savings Bank | 449474 | Cincinnati, OH | $3.2M | 7 | 58.3% |
| #34 | Timothy Tucker | 613381 | First State Bank | 460968 | Hardinsburg, KY | $1.4M | 7 | 63.6% |
| #34 | DIANA MOSLEY | 1506221 | Fifth Third Bank, National Association | 403245 | Morganfield, KY | $756K | 7 | 46.7% |
| #34 | Lucy Hager | 613371 | Meade County Bank, Inc. | 469802 | Flaherty, KY | $1.4M | 7 | 70.0% |
| #34 | John Dziedzic | 61243 | Northpointe Bank | 447490 | Louisville, KY | $1.4M | 7 | 33.3% |
| #39 | Lougenia Chaney | 502496 | U.S. Bank National Association | 402761 | Florence, KY | $1.3M | 6 | 40.0% |
| #39 | Peiran Sun | 6853 | Sun Lending USA LLC | 1889 | Lexington, KY | $1.7M | 6 | 46.2% |
| #39 | Connie Smith | 62811 | Union Home Mortgage Corp. | 2229 | Lakeside Park, KY | $1.1M | 6 | 42.9% |
| #39 | Statia Parks | 56992 | Multiple Option Mortgage Services, Inc. | 57052 | Louisville, KY | $2.0M | 6 | 26.1% |
| #39 | Joshua Hubbard | 607615 | West Point Bank | 460715 | Elizabethtown, KY | $2.2M | 6 | 33.3% |
| #39 | kurt ehret | 19098 | Old Colonial Mortgage, LLC | 1265 | Louisville, KY | $1.7M | 6 | 50.0% |
| #39 | E Moreland | 486513 | The First National Bank of Grayson | 445458 | Grayson, KY | $941K | 6 | 60.0% |
| #39 | Scott Higdon | 205595 | American Bank & Trust Company, Inc. | 554114 | Bowling Green, KY | $1.5M | 6 | 54.5% |
| #39 | Ravi Patel | 328529 | Union Home Mortgage Corp. | 2229 | Cincinnati, OH | $1.1M | 6 | 25.0% |
| #39 | Kenneth Prost | 63076 | Success Mortgage Partners, Inc. | 130562 | Cold Spring, KY | $933K | 6 | 26.1% |
| #39 | CHARLES ELFERS | 718157 | Guardian Savings Bank | 449474 | Fort Thomas, KY | $1.2M | 6 | 40.0% |
| #39 | Kimberly Powell | 419182 | Republic Bank & Trust Co. | 402606 | Louisville, KY | $760K | 6 | 50.0% |
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 — Kentucky (2022). Powered by MMI public record mortgage production data, accessed May 28, 2026. https://topmortgageoriginators.com/lo-leaderboard/kentucky/top-retention-by-units/2022
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