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 October 11, 2026, the top 3 include Jesse Cronen (Northpointe Bank, NMLS #8821), ROBERT SUETHOLZ (Guardian Savings Bank, NMLS #718136), and Nikolas Powers (Meade County Bank, Inc., NMLS #1459059).
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 | 62.2% |
| #2 | ROBERT SUETHOLZ | 718136 | Guardian Savings Bank | 449474 | Ft Wright, KY | $5.1M | 25 | 71.4% |
| #3 | Nikolas Powers | 1459059 | Meade County Bank, Inc. | 469802 | Brandenburg, KY | $5.1M | 20 | 74.1% |
| #3 | Charles Jolly | 613378 | First State Bank | 460968 | Irvington, KY | $2.5M | 20 | 90.9% |
| #5 | Erica Sadler | 1111361 | Fifth Third Bank, National Association | 403245 | Georgetown, KY | $3.5M | 19 | 70.4% |
| #6 | Arin Wagner | 1277378 | Vizion Mortgage, LLC | 2457732 | Owensboro, KY | $1.4M | 16 | 59.3% |
| #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% |
| #7 | Tracy Kirby | 176365 | FRANKLIN BANK & TRUST COMPANY | 493995 | Franklin, KY | $2.4M | 13 | 81.3% |
| #10 | John Stokes | 1461771 | EDMONTON STATE BANK | 479226 | Bowling Green, KY | $2.8M | 12 | 52.2% |
| #11 | Jennifer McKinney | 106135 | InterLinc Mortgage Services, LLC | 205696 | Louisville, KY | $2.4M | 11 | 50.0% |
| #11 | HOLLY STRADLING | 718119 | Guardian Savings Bank | 449474 | Ft Wright, KY | $1.5M | 11 | 52.4% |
| #11 | Dustin Mistelske | 1009890 | Northpointe Bank | 447490 | Louisville, KY | $2.0M | 11 | 57.9% |
| #11 | Regena Hinton | 768707 | THE CITIZENS NATIONAL BANK OF SOMERSET | 416673 | — | $2.6M | 11 | 91.7% |
| #15 | Shana Gray | 636001 | FIRST UNITED BANK AND TRUST COMPANY, INC. | 498528 | Madisonville, KY | $2.1M | 10 | 62.5% |
| #15 | Brooke Smith | 425779 | Fifth Third Bank, National Association | 403245 | Frankfort, KY | $798K | 10 | 76.9% |
| #15 | Keri Jones | 419193 | Republic Bank & Trust Co. | 402606 | Louisville, KY | $1.8M | 10 | 47.6% |
| #15 | TERRI RAINWATER | 651155 | FIRST UNITED BANK AND TRUST COMPANY, INC. | 498528 | Madisonville, KY | $1.6M | 10 | 62.5% |
| #15 | Joseph Morel | 1517415 | FRANKLIN BANK & TRUST COMPANY | 493995 | Franklin, KY | $3.0M | 10 | 58.8% |
| #15 | Jonathan Leslie | 66661 | LIBERTY FEDERAL CREDIT UNION | 518136 | Prospect, KY | $7.3M | 10 | 45.5% |
| #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 | Amy Ryan | 1760355 | West Point Bank | 460715 | Elizabethtown, KY | $2.6M | 9 | 52.9% |
| #21 | Larry Swisher | 4568 | Statewide Mortgage, LLC | 1304 | Louisville, KY | $1.7M | 9 | 30.0% |
| #21 | JONATHAN TINGLE II | 718170 | Guardian Savings Bank | 449474 | Lexington, KY | $2.7M | 9 | 90.0% |
| #21 | JASON LEONHARD | 718151 | Guardian Savings Bank | 449474 | Florence, KY | $1.5M | 9 | 42.9% |
| #21 | William Pierce | 38722 | NEXA Mortgage, LLC | 1660690 | Mesa, AZ | $3.1M | 9 | 69.2% |
| #21 | Craig Stahl | 629706 | American Bank & Trust Company, Inc. | 554114 | Bowling Green, KY | $2.3M | 9 | 60.0% |
| #29 | James Buchanon | 419159 | Republic Bank & Trust Co. | 402606 | Louisville, KY | $5.0M | 8 | 80.0% |
| #29 | Thomas Thomas | 657783 | First Financial Bank | 619717 | Saint Matthews, KY | $4.5M | 8 | 50.0% |
| #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% |
| #33 | DIANA MOSLEY | 1506221 | Fifth Third Bank, National Association | 403245 | — | $756K | 7 | 46.7% |
| #33 | Timothy Tucker | 613381 | First State Bank | 460968 | Hardinsburg, KY | $1.4M | 7 | 58.3% |
| #33 | Jason Deller | 861531 | Guardian Savings Bank | 449474 | Cincinnati, OH | $3.2M | 7 | 53.8% |
| #33 | John Dziedzic | 61243 | Northpointe Bank | 447490 | Louisville, KY | $1.4M | 7 | 33.3% |
| #33 | Lucy Hager | 613371 | Meade County Bank, Inc. | 469802 | Flaherty, KY | $1.4M | 7 | 70.0% |
| #33 | David Vu | 706247 | Heritage Bank, Inc | 799554 | Florence, KY | $2.9M | 7 | 36.8% |
| #33 | CHARLES ELFERS | 718157 | Guardian Savings Bank | 449474 | Fort Thomas, KY | $1.4M | 7 | 43.8% |
| #40 | Joshua Hubbard | 607615 | West Point Bank | 460715 | Elizabethtown, KY | $2.2M | 6 | 33.3% |
| #40 | Connie Smith | 62811 | Union Home Mortgage Corp. | 2229 | Lakeside Park, KY | $1.1M | 6 | 42.9% |
| #40 | Douglas Smith | 52052 | Guardian Savings Bank | 449474 | Ft Wright, KY | $1.3M | 6 | 54.5% |
| #40 | Statia Parks | 56992 | Multiple Option Mortgage Services, Inc. | 57052 | Louisville, KY | $2.0M | 6 | 26.1% |
| #40 | Jennifer Brogdon | 1522212 | Fifth Third Bank, National Association | 403245 | St Petersburg, FL | $586K | 6 | 54.5% |
| #40 | Scott Higdon | 205595 | American Bank & Trust Company, Inc. | 554114 | Bowling Green, KY | $1.5M | 6 | 54.5% |
| #40 | Gabrielle Pierce | 1774081 | Class Act Federal Credit Union | 403005 | Louisville, KY | $581K | 6 | 42.9% |
| #40 | Kimberly Powell | 419182 | Republic Bank & Trust Co. | 402606 | Louisville, KY | $760K | 6 | 50.0% |
| #40 | E Moreland | 486513 | The First National Bank of Grayson | 445458 | Grayson, KY | $941K | 6 | 60.0% |
| #40 | Lougenia Chaney | 502496 | U.S. Bank National Association | 402761 | Florence, KY | $1.3M | 6 | 40.0% |
| #40 | kurt ehret | 19098 | Old Colonial Mortgage, LLC | 1265 | Louisville, KY | $1.7M | 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 October 11, 2026. https://topmortgageoriginators.com/lo-leaderboard/kentucky/top-retention-by-units/2022
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