Retention champions in Kentucky in 2025, 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 ROBERT SUETHOLZ (Guardian Savings Bank, NMLS #718136), Jason Lawrence (Fairway Independent Mortgage Corporation, NMLS #52494), and Peiran Sun (Sun Lending USA LLC, NMLS #6853).
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 | ROBERT SUETHOLZ | 718136 | Guardian Savings Bank | 449474 | Ft Wright, KY | $12.9M | 45 | 88.2% |
| #2 | Jason Lawrence | 52494 | Fairway Independent Mortgage Corporation | 2289 | Louisville, KY | $17.1M | 44 | 51.8% |
| #3 | Peiran Sun | 6853 | Sun Lending USA LLC | 1889 | Lexington, KY | $12.1M | 39 | 78.0% |
| #4 | Charles Jolly | 613378 | First State Bank | 460968 | Irvington, KY | $4.3M | 35 | 92.1% |
| #5 | JONATHAN TINGLE II | 718170 | Guardian Savings Bank | 449474 | Lexington, KY | $10.6M | 25 | 80.6% |
| #6 | Donald Butler | 631052 | First State Bank | 460968 | Irvington, KY | $3.6M | 21 | 77.8% |
| #7 | Ryan Wheeler | 8981 | United Residential Mortgage, Inc. | 1326012 | Elizabethtown, KY | $6.6M | 20 | 62.5% |
| #8 | Joseph Morel | 1517415 | FRANKLIN BANK & TRUST COMPANY | 493995 | Franklin, KY | $6.9M | 18 | 62.1% |
| #9 | Connie Smith | 62811 | Union Home Mortgage Corp. | 2229 | Lakeside Park, KY | $4.3M | 16 | 64.0% |
| #10 | David Zuhars | 9541 | Simple Mortgage Solutions, LLC | 1983670 | Louisville, KY | $6.1M | 15 | 68.2% |
| #10 | Robert Clifton | 7291 | CrossCountry Mortgage, LLC | 3029 | Louisville, KY | $5.6M | 15 | 42.9% |
| #10 | Jonathan Leslie | 66661 | LIBERTY FEDERAL CREDIT UNION | 518136 | Prospect, KY | $7.6M | 15 | 75.0% |
| #13 | Thomas Thomas | 657783 | First Financial Bank | 619717 | Saint Matthews, KY | $7.5M | 14 | 50.0% |
| #14 | LaJuana Ramsey | 638402 | Members Heritage Credit Union | 479401 | Lexington, KY | $1.3M | 13 | 86.7% |
| #14 | Craig Stahl | 629706 | American Bank & Trust Company, Inc. | 554114 | Bowling Green, KY | $4.8M | 13 | 65.0% |
| #14 | Angela Kessel | 1715691 | Guardian Savings Bank | 449474 | Ft Wright, KY | $3.5M | 13 | 76.5% |
| #14 | Arin Wagner | 1277378 | LIBERTY FEDERAL CREDIT UNION | 518136 | Henderson, KY | $1.3M | 13 | 50.0% |
| #18 | Paul Chambliss | 37502 | Premier Lending, Inc. | 238143 | Elizabethtown, KY | $3.8M | 12 | 30.8% |
| #18 | Lee Witte | 437373 | FT Funding PLC | 2436863 | Fort Thomas, KY | $4.9M | 12 | 48.0% |
| #18 | Joseph Browning | 50992 | Farmers Bank & Trust Company | 449868 | Bowling Green, KY | $3.1M | 12 | 41.4% |
| #21 | Jeremy Wetzel | 3364 | CrossCountry Mortgage, LLC | 3029 | Louisville, KY | $4.5M | 11 | 68.8% |
| #21 | John Bollinger | 111708 | LIBERTY FEDERAL CREDIT UNION | 518136 | Louisville, KY | $3.7M | 11 | 57.9% |
| #21 | Kenneth Prost | 63076 | Success Mortgage Partners, Inc. | 130562 | Cold Spring, KY | $2.0M | 11 | 36.7% |
| #21 | Benjamin Montoya | 2014076 | Guardian Savings Bank | 449474 | West Chester, OH | $3.1M | 11 | 68.8% |
| #21 | Christopher Herrick | 170680 | emm loans llc | 2926 | Louisville, KY | $3.2M | 11 | 52.4% |
| #21 | Jesse Cronen | 8821 | Northpointe Bank | 447490 | Louisville, KY | $3.0M | 11 | 19.0% |
| #21 | Richard Gangwish | 36954 | U.S. Bank National Association | 402761 | Taylor Mill, KY | $2.6M | 11 | 55.0% |
| #21 | Nikolas Powers | 1459059 | Meade County Bank, Inc. | 469802 | Brandenburg, KY | $1.7M | 11 | 50.0% |
| #29 | KIMBERLY MOORE | 438541 | Fifth Third Bank, National Association | 403245 | Hebron, KY | $1.5M | 10 | 38.5% |
| #29 | Larry Swisher | 4568 | Statewide Mortgage, LLC | 1304 | Louisville, KY | $2.9M | 10 | 28.6% |
| #29 | Teague Reed | 585819 | Union Savings Bank | 446047 | Cincinnati, OH | $3.2M | 10 | 100.0% |
| #29 | Julie Baker | 444541 | Fifth Third Bank, National Association | 403245 | Lexington, KY | $2.6M | 10 | 58.8% |
| #33 | Patrick Seiter | 173817 | The Credit Resource, LLC | 1131966 | Burlington, KY | $3.1M | 9 | 39.1% |
| #33 | Marty Gaddie | 1745992 | Mortgage Research Center, LLC | 1907 | Elizabethtown, KY | $2.8M | 9 | 33.3% |
| #33 | Shelley Brackett | 607614 | West Point Bank | 460715 | Elizabethtown, KY | $1.2M | 9 | 64.3% |
| #33 | Keri Jones | 419193 | Republic Bank & Trust Co. | 402606 | Louisville, KY | $3.7M | 9 | 56.3% |
| #33 | Joseph Gorman | 1882663 | American Bank & Trust Company, Inc. | 554114 | Bowling Green, KY | $2.8M | 9 | 81.8% |
| #33 | Tommy Parke | 556479 | EDMONTON STATE BANK | 479226 | Glasgow, KY | $1.6M | 9 | 90.0% |
| #33 | TIMOTHY MORTIMER | 718169 | Guardian Savings Bank | 449474 | Lexington, KY | $2.3M | 9 | 60.0% |
| #40 | Amy Daniels | 1830015 | Atlantic Bay Mortgage Group, L.L.C. | 72043 | Bowling Green, KY | $2.3M | 8 | 38.1% |
| #40 | Joe Hohman | 12973 | United Mortgage, LLC | 4351 | Louisville, KY | $2.2M | 8 | 66.7% |
| #40 | Bradley Hacker | 22435 | Ark-La-Tex Financial Services, LLC | 2143 | Lexington, KY | $2.5M | 8 | 29.6% |
| #40 | David Gassman | 20069 | Lighthouse Mortgage LLC | 1788365 | Louisville, KY | $2.5M | 8 | 80.0% |
| #40 | James Williams | 1918024 | COMMONWEALTH FEDERAL CREDIT UNION | 403110 | Frankfort, KY | $993K | 8 | 32.0% |
| #40 | Kimberly Powell | 419182 | Republic Bank & Trust Co. | 402606 | Louisville, KY | $1.7M | 8 | 72.7% |
| #40 | Joseph Henderson | 1780946 | New American Funding, LLC | 6606 | Santa Ana, CA | $958K | 8 | 30.8% |
| #40 | Adam Hires | 66358 | Edge Home Finance, LLC | 891464 | Minnetonka, MN | $2.2M | 8 | 47.1% |
| #40 | Michael Hurt | 57602 | First Fidelity Mortgage, Inc. | 940549 | Louisville, KY | $2.7M | 8 | 61.5% |
| #40 | Arthur Gall | 39482 | Able Mortgage, LLC | 39236 | Louisville, KY | $2.8M | 8 | 66.7% |
| #40 | Erin O'Brien | 975377 | Guardian Savings Bank | 449474 | Lexington, KY | $2.9M | 8 | 47.1% |
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 Loan Count — Kentucky (2025). Powered by MMI public record mortgage production data, accessed August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/kentucky/top-retention-by-units/2025
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