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 July 13, 2026, the top 3 include Henry Do (Swift Home Loans, Inc., 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 | Swift Home Loans, Inc. | 2075228 | Houston, TX | $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 | $6.1M | 34 | 66.7% |
| #5 | Nicole Welsch | 1174329 | CrossCountry Mortgage, LLC | 3029 | Edwardsburg, MI | $7.5M | 29 | 96.7% |
| #6 | Dawn Bates | 597489 | VIBE CREDIT UNION | 405039 | — | $2.0M | 28 | 45.9% |
| #6 | Nick Lewis | 699519 | ChoiceOne Bank | 302123 | — | $5.3M | 28 | 73.7% |
| #8 | David Lehner | 143881 | Mortgage 1 Incorporated | 129386 | Sterling Heights, MI | $4.0M | 27 | 40.9% |
| #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% |
| #11 | Brad Gnatkowski | 641404 | Frankenmuth Credit Union | 454059 | Frankenmuth, MI | $2.7M | 24 | 50.0% |
| #12 | Jared Dykstra | 441913 | United Bank of Michigan | 463806 | Jenison, MI | $7.7M | 23 | 57.5% |
| #13 | William Watchorn | 997595 | Frankenmuth Credit Union | 454059 | Frankenmuth, MI | $2.2M | 22 | 50.0% |
| #13 | JoAnn Pugh | 168895 | MMS Mortgage Services, Ltd. | 131062 | Farmington Hills, MI | $3.7M | 22 | 26.5% |
| #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 | 77.8% |
| #15 | Ryan Maneke | 1570101 | ARBOR FINANCIAL CREDIT UNION | 409456 | Kalamazoo, MI | $3.0M | 21 | 51.2% |
| #15 | Jon Aucutt | 710259 | SUPERIOR NATIONAL BANK | 411460 | Troy, MI | $7.5M | 21 | 29.6% |
| #19 | David Bishop | 509125 | Lake Michigan Credit Union | 442967 | Grand Blanc, MI | $7.3M | 20 | 52.6% |
| #19 | Dustin Geibig | 31210 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $3.9M | 20 | 32.3% |
| #21 | Chawki Hage | 129921 | PrimeLending, A PlainsCapital Company | 13649 | Dearborn Heights, MI | $4.3M | 19 | 17.6% |
| #21 | Joseph Bigelman | 140064 | Staunton Financial, Inc. | 140012 | Southfield, MI | $6.4M | 19 | 33.3% |
| #21 | Nathan Steiner | 771054 | Guaranteed Rate, Inc. | 2611 | Grosse Pointe Farms, MI | $7.6M | 19 | 33.9% |
| #21 | Anna Miller | 1546701 | United Bank of Michigan | 463806 | Grand Rapids, MI | $3.8M | 19 | 76.0% |
| #21 | Gregory Vargas | 1461318 | Lake Michigan Credit Union | 442967 | Muskegon, MI | $2.3M | 19 | 79.2% |
| #21 | John Oppenhuizen | 1584889 | ChoiceOne Bank | 302123 | Comstock Park, MI | $2.5M | 19 | 65.5% |
| #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 | 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% |
| #27 | David Kuiper | 728171 | Dart Bank, The | 406384 | Holland, MI | $2.2M | 18 | 64.3% |
| #33 | Philip Lapinski | 1485025 | HFG Holdings, Inc. | 1467435 | Troy, MI | $3.4M | 17 | 27.4% |
| #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 | 68.0% |
| #33 | Maria Labie | 697437 | Lake Michigan Credit Union | 442967 | Caledonia, MI | $6.7M | 17 | 37.0% |
| #37 | Joseph Joseph | 783167 | Dart Bank, The | 406384 | — | $2.6M | 16 | 66.7% |
| #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% |
| #37 | Sherri O'Neil | 1192904 | Awakon Federal Credit Union | 410565 | Onaway, MI | $1.8M | 16 | 72.7% |
| #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% |
| #43 | Jeffery Potter | 1160981 | Consumers Credit Union | 414712 | Kalamazoo, MI | $2.7M | 15 | 48.4% |
| #44 | Scot Veneklase | 153844 | Neighborhood Loans, Inc. | 222982 | Grand Rapids, MI | $2.8M | 14 | 42.4% |
| #44 | Colin Quiney | 137202 | My City Home Loans, Inc. | 2468515 | Grand Rapids, MI | $2.9M | 14 | 40.0% |
| #44 | Reinaldo Farah | 32708 | JPMorgan Chase Bank, National Association | 399798 | Rochester Hills, MI | $6.2M | 14 | 58.3% |
| #44 | Jodi Rogers | 740673 | DFCU Financial | 409709 | — | $2.9M | 14 | 50.0% |
| #44 | Judy Mason | 783171 | Dart Bank, The | 406384 | Lansing, MI | $2.1M | 14 | 66.7% |
| #44 | Rannie Bawab | 20441 | Rocket Mortgage, LLC | 3030 | Detroit, MI | $4.0M | 14 | 28.6% |
| #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 July 13, 2026. https://topmortgageoriginators.com/lo-leaderboard/michigan/top-retention-by-units/2022
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