Retention champions in Michigan in 2026 so far, ranked by loan count. Powered by ChatMMI — the only fully conversational AI experience for mortgage and real estate data.
As of October 9, 2026, the top 3 include Bing Guo (A Best Financial Corporation, NMLS #138564), Chinmay Deshpande (C 4 D Mortgage Company LLC, NMLS #161464), and Kelly Russo (Hantz Financial Services, Inc., NMLS #1147434).
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 | Bing Guo | 138564 | A Best Financial Corporation | 138461 | Canton, MI | $60.6M | 134 | 86.5% |
| #2 | Chinmay Deshpande | 161464 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $30.1M | 71 | 57.7% |
| #3 | Kelly Russo | 1147434 | Hantz Financial Services, Inc. | 167864 | Southfield, MI | $15.8M | 54 | 84.4% |
| #4 | Joshua Nawrot | 160116 | Northern Mortgage Services, LLC | 130662 | Byron Center, MI | $16.6M | 49 | 47.1% |
| #5 | Nathan Steiner | 771054 | Guaranteed Rate, Inc. | 2611 | Grosse Pointe Farms, MI | $26.3M | 44 | 65.7% |
| #6 | Jonathan Arnold | 129471 | Guild Mortgage Company LLC | 3274 | Ada, MI | $14.6M | 42 | 68.9% |
| #6 | Christopher Puzzuoli | 276711 | HFG Holdings, Inc. | 1467435 | Troy, MI | $11.5M | 42 | 59.2% |
| #8 | Jeffrey Krinsky | 29945 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $11.6M | 40 | 81.6% |
| #9 | Jeffrey Kujan | 406704 | First Merchants Bank | 454552 | Farmington Hills, MI | $16.2M | 39 | 76.5% |
| #9 | Matthew Adler | 138345 | Lake Michigan Credit Union | 442967 | Troy, MI | $14.3M | 39 | 40.2% |
| #11 | Jon Aucutt | 710259 | SUPERIOR NATIONAL BANK | 411460 | Troy, MI | $14.5M | 38 | 57.6% |
| #12 | Jeanna Carey | 1069188 | Gold Star Mortgage Financial Group, Corporation | 3446 | Ann Arbor, MI | $14.8M | 36 | 45.0% |
| #12 | Christopher Harris | 162723 | Preston Home Loans Inc | 1759275 | Grand Blanc, MI | $8.1M | 36 | 50.7% |
| #14 | Joseph Bigelman | 140064 | Staunton Financial, Inc. | 140012 | Southfield, MI | $17.2M | 35 | 57.4% |
| #14 | Eric Ehrhardt | 28158 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $10.7M | 35 | 55.6% |
| #16 | Philip Lapinski | 1485025 | HFG Holdings, Inc. | 1467435 | Troy, MI | $8.7M | 33 | 40.2% |
| #16 | James Paquette | 533633 | Lake Michigan Credit Union | 442967 | Brighton, MI | $16.6M | 33 | 66.0% |
| #18 | Dawn Connors | 102706 | Mortgage 1 Incorporated | 129386 | Sterling Heights, MI | $8.1M | 32 | 66.7% |
| #19 | Robyn Berg | 630894 | Union Home Mortgage Corp. | 2229 | East Lansing, MI | $6.4M | 31 | 57.4% |
| #19 | Grant Holmes | 135241 | Mortgage 1 Incorporated | 129386 | Sterling Heights, MI | $11.8M | 31 | 63.3% |
| #19 | Seth Bellas | 1210102 | Canopy Mortgage, LLC | 1359687 | Wyoming, MI | $8.4M | 31 | 63.3% |
| #22 | Peter Humphreys | 630758 | Independent Bank | 454790 | Rockford, MI | $12.6M | 30 | 71.4% |
| #23 | Stephen Stork | 137370 | CrossCountry Mortgage, LLC | 3029 | Bloomfield Hills, MI | $7.2M | 29 | 54.7% |
| #23 | David Thomas | 585409 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $8.0M | 29 | 45.3% |
| #25 | Mark Copland | 136066 | Staunton Financial, Inc. | 140012 | Southfield, MI | $8.6M | 28 | 53.8% |
| #26 | Loren Hotchkiss | 166413 | Preston Home Loans Inc | 1759275 | Grand Blanc, MI | $668K | 26 | 78.8% |
| #27 | Sebastian George | 161496 | VEMA MORTGAGE LLC | 1019911 | Troy, MI | $10.2M | 25 | 54.3% |
| #27 | David Lehner | 143881 | Mortgage 1 Incorporated | 129386 | Sterling Heights, MI | $5.6M | 25 | 39.1% |
| #29 | Christian Newberry | 13314 | Everett Financial, Inc. | 2129 | Dallas, TX | $8.8M | 24 | 68.6% |
| #29 | Zac Ellerbroek | 138717 | Lake Michigan Credit Union | 442967 | Grand Rapids, MI | $15.6M | 24 | 35.3% |
| #29 | Harry Richter III | 46372 | CrossCountry Mortgage, LLC | 3029 | Ann Arbor, MI | $6.5M | 24 | 70.6% |
| #29 | Jeffrey Stephenson | 139052 | Mortgage300 Corporation | 162651 | Stuart, FL | $4.3M | 24 | 35.8% |
| #29 | Jon Mykala | 728191 | Dart Bank, The | 406384 | Chelsea, MI | $7.8M | 24 | 66.7% |
| #29 | ANETA PYTEL | 135189 | Trust Mortgage LLC | 2491461 | Rochester Hills, MI | $6.7M | 24 | 75.0% |
| #29 | Thomas Savage | 21245 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $6.4M | 24 | 48.0% |
| #36 | Karalyn Mix | 721673 | Awakon Federal Credit Union | 410565 | Onaway, MI | $2.1M | 23 | 69.7% |
| #36 | Mallory Strotheide | 177925 | American Pacific Mortgage Corporation | 1850 | Ada, MI | $5.6M | 23 | 36.5% |
| #38 | Jonathan Lyons | 426123 | MERCANTILE BANK | 419813 | Grand Rapids, MI | $5.6M | 22 | 52.4% |
| #38 | Thomas Fain | 27924 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $6.0M | 22 | 44.0% |
| #38 | Joshua Rubin | 135902 | First Securities Financial Services, Inc. | 116848 | Bingham Farms, MI | $10.9M | 22 | 66.7% |
| #41 | Diego Arteaga-Arcila | 771047 | Michigan First Credit Union | 493687 | Lathrup Village, MI | $6.6M | 21 | 70.0% |
| #41 | Karen Stein | 480558 | AAC Credit Union | 417591 | Spring Lake, MI | $1.8M | 21 | 67.7% |
| #41 | Brad Gnatkowski | 641404 | Frankenmuth Credit Union | 454059 | Frankenmuth, MI | $3.5M | 21 | 30.4% |
| #41 | Robert Garrison | 137806 | Mortgage 1 Incorporated | 129386 | Sterling Heights, MI | $6.4M | 21 | 33.3% |
| #41 | John Duke | 81078 | Union Home Mortgage Corp. | 2229 | East Lansing, MI | $5.0M | 21 | 52.5% |
| #41 | Angela Kakos | 166374 | Guaranteed Rate, Inc. | 2611 | Chicago, IL | $10.8M | 21 | 48.8% |
| #47 | Charu Hari | 1254602 | Michigan Schools and Government Credit Union | 423037 | Troy, MI | $10.2M | 20 | 62.5% |
| #47 | Stephen Crusoe | 514716 | Citizens National Bank of Cheboygan | 417225 | Cheboygan, MI | $4.1M | 20 | 64.5% |
| #47 | Martin Schaefer | 164627 | Gold Star Mortgage Financial Group, Corporation | 3446 | Ann Arbor, MI | $3.9M | 20 | 37.7% |
| #47 | Amy Ricupati | 674678 | Financial Plus Credit Union | 586579 | Bay City, MI | $1.4M | 20 | 64.5% |
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 — Michigan. Powered by MMI public record mortgage production data, accessed October 9, 2026. https://topmortgageoriginators.com/lo-leaderboard/michigan/top-retention-by-units
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