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 August 27, 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 | $5.2M | 26 | 72.2% |
| #3 | Charles Jolly | 613378 | First State Bank | 460968 | Irvington, KY | $2.5M | 20 | 90.9% |
| #4 | Nikolas Powers | 1459059 | Meade County Bank, Inc. | 469802 | Brandenburg, KY | $4.9M | 19 | 73.1% |
| #4 | Erica Sadler | 1111361 | Fifth Third Bank, National Association | 403245 | Georgetown, KY | $3.5M | 19 | 70.4% |
| #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 | William Murphy | 688518 | Guardian Savings Bank | 449474 | Ft Wright, KY | $2.8M | 13 | 68.4% |
| #7 | David Richardson | 1392540 | Fifth Third Bank, National Association | 403245 | — | $1.0M | 13 | 86.7% |
| #10 | John Stokes | 1461771 | EDMONTON STATE BANK | 479226 | Bowling Green, KY | $2.8M | 12 | 54.5% |
| #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% |
| #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 | Jonathan Leslie | 66661 | LIBERTY FEDERAL CREDIT UNION | 518136 | Prospect, KY | $8.5M | 11 | 47.8% |
| #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 | 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% |
| #16 | Joseph Morel | 1517415 | FRANKLIN BANK & TRUST COMPANY | 493995 | Franklin, KY | $3.0M | 10 | 58.8% |
| #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 | JASON LEONHARD | 718151 | Guardian Savings Bank | 449474 | Florence, KY | $1.5M | 9 | 42.9% |
| #21 | Kristen Barr | 1272133 | Meade County Bank, Inc. | 469802 | Brandenburg, KY | $1.6M | 9 | 75.0% |
| #21 | Larry Swisher | 4568 | Statewide Mortgage, LLC | 1304 | Louisville, KY | $1.7M | 9 | 30.0% |
| #21 | Amy Ryan | 1760355 | West Point Bank | 460715 | Elizabethtown, KY | $2.6M | 9 | 52.9% |
| #21 | Craig Stahl | 629706 | American Bank & Trust Company, Inc. | 554114 | Bowling Green, KY | $2.3M | 9 | 60.0% |
| #21 | JONATHAN TINGLE II | 718170 | Guardian Savings Bank | 449474 | Lexington, KY | $2.7M | 9 | 90.0% |
| #29 | David Vu | 706247 | Heritage Bank, Inc | 799554 | Florence, KY | $3.2M | 8 | 40.0% |
| #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 | Thomas Thomas | 657783 | First Financial Bank | 619717 | Saint Matthews, KY | $4.5M | 8 | 50.0% |
| #34 | CHARLES ELFERS | 718157 | Guardian Savings Bank | 449474 | Fort Thomas, KY | $1.4M | 7 | 43.8% |
| #34 | Timothy Tucker | 613381 | First State Bank | 460968 | Hardinsburg, KY | $1.4M | 7 | 53.8% |
| #34 | Lucy Hager | 613371 | Meade County Bank, Inc. | 469802 | Flaherty, KY | $1.4M | 7 | 70.0% |
| #34 | DIANA MOSLEY | 1506221 | Fifth Third Bank, National Association | 403245 | — | $756K | 7 | 46.7% |
| #34 | John Dziedzic | 61243 | Northpointe Bank | 447490 | Louisville, KY | $1.4M | 7 | 33.3% |
| #39 | Ravi Patel | 328529 | Union Home Mortgage Corp. | 2229 | Cincinnati, OH | $1.1M | 6 | 25.0% |
| #39 | Statia Parks | 56992 | Multiple Option Mortgage Services, Inc. | 57052 | Louisville, KY | $2.0M | 6 | 26.1% |
| #39 | Lougenia Chaney | 502496 | U.S. Bank National Association | 402761 | Florence, KY | $1.3M | 6 | 40.0% |
| #39 | Gabrielle Pierce | 1774081 | Class Act Federal Credit Union | 403005 | Louisville, KY | $581K | 6 | 42.9% |
| #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 | 46.2% |
| #39 | Scott Higdon | 205595 | American Bank & Trust Company, Inc. | 554114 | Bowling Green, KY | $1.5M | 6 | 54.5% |
| #39 | Jason Deller | 861531 | Guardian Savings Bank | 449474 | Cincinnati, OH | $1.7M | 6 | 50.0% |
| #39 | Kenneth Prost | 63076 | Success Mortgage Partners, Inc. | 130562 | Cold Spring, KY | $933K | 6 | 26.1% |
| #39 | kurt ehret | 19098 | Old Colonial Mortgage, LLC | 1265 | Louisville, KY | $1.7M | 6 | 50.0% |
| #39 | Joshua Hubbard | 607615 | West Point Bank | 460715 | Elizabethtown, KY | $2.2M | 6 | 33.3% |
| #39 | E Moreland | 486513 | The First National Bank of Grayson | 445458 | Grayson, KY | $941K | 6 | 60.0% |
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 August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/kentucky/top-retention-by-units/2022
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