Retention champions in Michigan 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 Henry Do (Lit Financial Corporation, NMLS #1863960), Grant Holmes (Mortgage 1 Incorporated, NMLS #135241), and Matthew Adler (Lake Michigan Credit Union, NMLS #138345).
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 | Henry Do | 1863960 | Lit Financial Corporation | 2553292 | Troy, MI | $10.8M | 40 | 62.5% |
| #2 | Grant Holmes | 135241 | Mortgage 1 Incorporated | 129386 | Sterling Heights, MI | $8.8M | 38 | 69.1% |
| #3 | Matthew Adler | 138345 | Lake Michigan Credit Union | 442967 | Troy, MI | $9.7M | 35 | 40.2% |
| #4 | Jennifer Ferguson | 756208 | United Bank of Michigan | 463806 | Wayland, MI | $6.0M | 33 | 66.0% |
| #5 | Nicole Welsch | 1174329 | CrossCountry Mortgage, LLC | 3029 | Edwardsburg, MI | $7.5M | 29 | 96.7% |
| #5 | Nick Lewis | 699519 | ChoiceOne Bank | 302123 | — | $5.3M | 29 | 74.4% |
| #7 | Dawn Bates | 597489 | VIBE CREDIT UNION | 405039 | — | $2.0M | 28 | 45.9% |
| #8 | Darlene Stead-Smith | 1019187 | North Central Area Credit Union | 409580 | Roscommon, MI | $1.5M | 27 | 90.0% |
| #8 | Joshua Nawrot | 160116 | Northern Mortgage Services, LLC | 130662 | Byron Center, MI | $6.2M | 27 | 32.1% |
| #8 | David Lehner | 143881 | Mortgage 1 Incorporated | 129386 | Sterling Heights, MI | $4.0M | 27 | 40.9% |
| #11 | Brad Gnatkowski | 641404 | Frankenmuth Credit Union | 454059 | Frankenmuth, MI | $2.7M | 24 | 50.0% |
| #12 | Jared Dykstra | 441913 | WEST MICHIGAN COMMUNITY BANK | 695867 | Hudsonville, MI | $7.7M | 23 | 57.5% |
| #13 | JoAnn Pugh | 168895 | MMS Mortgage Services, Ltd. | 131062 | Farmington Hills, MI | $3.7M | 22 | 26.5% |
| #13 | William Watchorn | 997595 | Frankenmuth Credit Union | 454059 | Frankenmuth, MI | $2.2M | 22 | 50.0% |
| #15 | David Bishop | 509125 | Lake Michigan Credit Union | 442967 | Grand Blanc, MI | $7.6M | 21 | 53.8% |
| #15 | Thomas Fain | 27924 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $5.0M | 21 | 48.8% |
| #15 | Vicki Morris | 717929 | CENTURY BANK AND TRUST | 297621 | — | $3.2M | 21 | 80.8% |
| #15 | Jon Aucutt | 710259 | SUPERIOR NATIONAL BANK | 411460 | Troy, MI | $7.5M | 21 | 29.6% |
| #15 | Ryan Maneke | 1570101 | ARBOR FINANCIAL CREDIT UNION | 409456 | Kalamazoo, MI | $3.0M | 21 | 50.0% |
| #20 | Dustin Geibig | 31210 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $3.9M | 20 | 32.3% |
| #21 | John Oppenhuizen | 1584889 | ChoiceOne Bank | 302123 | Comstock Park, MI | $2.5M | 19 | 65.5% |
| #21 | Nathan Steiner | 771054 | Guaranteed Rate, Inc. | 2611 | Grosse Pointe Farms, MI | $7.6M | 19 | 33.9% |
| #21 | Joseph Bigelman | 140064 | Staunton Financial, Inc. | 140012 | Southfield, MI | $6.4M | 19 | 33.3% |
| #21 | Chawki Hage | 129921 | PrimeLending, A PlainsCapital Company | 13649 | Dearborn Heights, MI | $4.3M | 19 | 17.6% |
| #21 | Gregory Vargas | 1461318 | Lake Michigan Credit Union | 442967 | Muskegon, MI | $2.3M | 19 | 79.2% |
| #21 | Anna Miller | 1546701 | United Bank of Michigan | 463806 | Grand Rapids, MI | $3.8M | 19 | 76.0% |
| #27 | Sebastian George | 161496 | VEMA MORTGAGE LLC | 1019911 | Troy, MI | $5.2M | 18 | 54.5% |
| #27 | Christopher Puzzuoli | 276711 | HFG Holdings, Inc. | 1467435 | Troy, MI | $3.6M | 18 | 38.3% |
| #27 | Edward Ross | 116912 | North Central Area Credit Union | 409580 | Houghton Lake, MI | $4.0M | 18 | 29.5% |
| #27 | David Kuiper | 728171 | Dart Bank, The | 406384 | Holland, MI | $2.2M | 18 | 64.3% |
| #27 | Wesley Smith | 1167968 | CrossCountry Mortgage, LLC | 3029 | — | $1.4M | 18 | 66.7% |
| #27 | Donald Timlowski | 438931 | MERCANTILE BANK | 419813 | Holland, MI | $3.8M | 18 | 69.2% |
| #33 | Philip Lapinski | 1485025 | HFG Holdings, Inc. | 1467435 | Troy, MI | $3.4M | 17 | 27.4% |
| #33 | Maria Labie | 697437 | Lake Michigan Credit Union | 442967 | Caledonia, MI | $6.7M | 17 | 36.2% |
| #33 | Dennis Johnston | 707249 | FINANCIALEDGE CREDIT UNION | 629612 | Bay City, MI | $1.3M | 17 | 68.0% |
| #33 | Michael Unkovich | 783180 | Dart Bank, The | 406384 | Lansing, MI | $3.0M | 17 | 65.4% |
| #37 | Joseph Joseph | 783167 | Dart Bank, The | 406384 | — | $2.6M | 16 | 66.7% |
| #37 | Karalyn Mix | 721673 | Awakon Federal Credit Union | 410565 | Onaway, MI | $2.0M | 16 | 69.6% |
| #37 | Chinmay Deshpande | 161464 | C 4 D Mortgage Company LLC | 151261 | Troy, MI | $5.5M | 16 | 34.0% |
| #37 | Sherri O'Neil | 1192904 | Awakon Federal Credit Union | 410565 | Onaway, MI | $1.8M | 16 | 69.6% |
| #37 | Thomas Savage | 21245 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $4.2M | 16 | 24.2% |
| #37 | Robert Polakovich | 138361 | Neighborhood Loans, Inc. | 222982 | Grand Rapids, MI | $3.1M | 16 | 19.3% |
| #43 | Jeffery Potter | 1160981 | Consumers Credit Union | 414712 | Kalamazoo, MI | $2.7M | 15 | 48.4% |
| #44 | Colin Quiney | 137202 | My City Home Loans, Inc. | 2468515 | Grand Rapids, MI | $2.9M | 14 | 40.0% |
| #44 | Scot Veneklase | 153844 | Neighborhood Loans, Inc. | 222982 | Grand Rapids, MI | $2.8M | 14 | 42.4% |
| #44 | Reinaldo Farah | 32708 | JPMorgan Chase Bank, National Association | 399798 | Rochester Hills, MI | $6.2M | 14 | 58.3% |
| #44 | Rannie Bawab | 20441 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $4.0M | 14 | 28.6% |
| #44 | James Long | 563874 | The Huntington National Bank | 402436 | — | $14.2M | 14 | 70.0% |
| #44 | Judy Mason | 783171 | Dart Bank, The | 406384 | Lansing, MI | $2.1M | 14 | 63.6% |
| #44 | Jamie Stocks | 133055 | Union Home Mortgage Corp. | 2229 | East Lansing, MI | $2.9M | 14 | 41.2% |
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 (2022). Powered by MMI public record mortgage production data, accessed August 27, 2026. https://topmortgageoriginators.com/lo-leaderboard/michigan/top-retention-by-units/2022
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